In 2026, the FHA loan limits in South-Jacksonville within Morgan, IL are: $356,362 for single-family homes, $456,275 for duplexes, $551,500 for triplexes, and $685,400 for fourplexes.
Conventional loan ceilings are $548,250 for a single-family dwelling, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to find the best current FHA rates and check what downpayment, income, credit, reserves, and documents are needed for loan qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with those of other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls from thousands of lender programs and matches them to your distinct financial situation quickly.
For 2026 in South-Jacksonville, Morgan, IL, the Loan Limits Comparison Table provides regulations for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualifications like income, reserves, and credit, refer to the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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