For 2026, in Springfield county found in Sangamon, IL, the FHA loan limits are set at $472,030 for a single-family home. For two-unit properties, it's $604,400, reaching $730,525 for those with three units, and $907,900 for four-unit structures.
As for conventional loans, the maximum for a single-family residence is $726,200. For two units, it is $929,850, going up to $1,123,900 for three-unit homes, and $1,396,800 for properties with four units.
Use our FHA calculator to assess today’s best FHA rates and determine needed downpayment, income, credit standing, reserves, and documents for qualification.
The Lendersa® calculator provides a comparison of FHA loan rates and terms with those from other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By accessing extensive data from thousands of lenders, Lendersa® can swiftly match it to your unique financial profile and needs.
The 2026 Loan Limits Comparison Table in Springfield county of Sangamon, IL allows for comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Evaluate qualification requirements like income, reserves, and credit through 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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