In 2026, the FHA loan limits for St.-Charles county of Kane, IL, are set at $379,500 for a single-family home. This expands to $485,800 for 2-units, $587,250 for 3-units, and reaches $729,800 for 4-units.
The maximum loan amount for conventional loans on a single-family residence is $548,250, with increases to $702,000 for 2-units, progressing to $848,500 for 3-units, and topping out at $1,054,500 for 4-units.
Use our FHA calculator to see today’s leading FHA rates and assess needed downpayments, income, credit scores, reserves, and documentation for eligibility.
The Lendersa® calculator enables comparison of FHA rates and terms with all other loan programs. Explore a variety of loans, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money, alongside FHA.
Gathering data from thousands of lenders, Lendersa® swiftly compares it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in St.-Charles county of Kane, IL, offers a detailed look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To compare qualification requirements like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $303,600 | $303,600 | $303,600 | $303,600 |
| 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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