In 2026, FHA loan limits for Sparta, Randolph, IL are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximums are $726,200 for a single-family residence, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to view today’s best FHA rates and find out the downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator helps compare FHA rates and terms with other loan options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses data from thousands of lenders to tailor comparisons to your financial profile.
Our Loan Limits Comparison Table for 2026 in Sparta, Randolph, IL displays maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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