2026 max FHA loan in St.-Joseph, Champaign Illinois

In 2026, the FHA loan limits for St.-Joseph, situated in Champaign, IL, are $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.

For conventional loans, the max loan amount for a single-family home stands at $548,250, with limits of $702,000 for two-unit homes, $848,500 for three-unit buildings, and $1,054,500 for four-unit residences.

Employ our FHA calculator to find today's most favorable FHA rates. This tool helps determine the required downpayment, necessary income, credit needs, reserves, and documentation for qualification.

Explore loan offerings from a broad selection of 100 lenders.

Assess Your Loan Options in St.-Joseph, IL

The Lendersa® calculator allows you to contrast FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.

By tapping into loan data from thousands of lenders, Lendersa® rapidly maps this information to your personal financial profile, offering a tailored comparison.

The Loan Limits Comparison Table for 2026 in St.-Joseph, within Champaign, IL provides a side-by-side comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification factors like income, reserves, and credit, rely on 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

St.-Joseph FHA Lenders
(217) 278-7700 Lender's profile and map U of I Community Credit Union 2201 S First St, Champaign, IL, 61820 Lends in Illinois we began serving hourly wage earners from a janitor room at the U of I Power Plant in October 1932. At the end of that first year, the credit union had 37 members, two borrowers, & $116.97 in assets. By 1935, the credit union moved off campus to Urbana, expanded its charter to include faculty, & was renamed University of Illinois
(877) 925-3030 Lender's profile and map CIBM Bank 2913 W. Kirby Ave, Champaign, IL, 61821 Lends in Illinois CIBM Bank is a wholly owned subsidiary of CIB Marine Bancshares, Inc. and formerly operated as "Marine Bank" in its Indiana and Wisconsin markets, "Central Illinois Bank" in its central Illinois market, "Avenue Bank" in its Chicagoland market, and Avenue Mortgage, a division of CIBM Bank serving the communities of all CIBM Bank branches
(800) 252-6950 Lender's profile and map Credit Union 1 200 E Champaign Avenue, Rantoul, IL, 61866 Lends in Illinois Our History: In 1958, Chanute Military Credit Union opened its doors on the Chanute Air Force Base in Rantoul, Illinois to serve military personnel and their families. With the government's announcement of plans to close the Chanute Air Force Base, plans were made to expand the credit union in order to continue to serve those faithful.
(217) 897-1136 Lender's profile and map Fisher National Bank 102 E. Division, Fisher, IL, 61843 Lends in Illinois The Fisher National Bank opened for business November 18, 1955 at a small office in downtown Fisher, IL. With numerous additions and renovations, this facility served our needs very nicely over the years. In the late 1990s, due to steady growth and the loyalty of our many clients, the board realized it was time to make another investment.
(217) 268-4911 Lender's profile and map Arcola First Bank 127 South Oak Street, Arcola, IL, 61910 Lends in Illinois Arcola First Bank is a branch office of Arcola First Bank. They provide the following services: Full Service Office Location & are located at 127 South Oak Street in Arcola Illinois. Mobile & traditional directions to this location can be found below along with ratings, their phone number, online banking website and additional banking information
(815) 268-7226 Lender's profile and map Federated Bank 107 North Chestnut, Onarga, IL, 60955 Lends in Illinois At Federated Bank, you can still find great hometown service. That has been our way of doing business since since our founding in 1918 (read about it here). Today Federated is a community bank offering complete personal banking, business banking, and trust services in North Central Illinois along Interstate 57.
(217) 875-2301 Lender's profile and map Decatur Earthmover Credit Union 319 E. Jasper Street, Paris, IL, 61944 Lends in Illinois We started out as the Decatur Caterpillar Employees Credit Union in 1956. Back then people couldn't borrow money from banks, only businesses could. It was hard to save enough to buy a house or car (still is). So, they organized a credit union where they could deposit part of each paycheck (in a shoebox).
(217) 795-2331 Lender's profile and map The Gerber State Bank 110 East Elm Street, Argenta, IL, 62501 Lends in Illinois The Gerber State Bank, Argenta, Illinois, was founded by James W. Brown and Samuel Gerber as a partnership under the names of “Brown and Gerber Bankers”, in 1887. The bankers opened for business in a wooden frame building just north of the railroad tracks along North Street. Eventually, that wooden structure burned to the ground.
(815) 432-2494 Lender's profile and map First Trust and Savings Bank 120 East Walnut Street, Watseka, IL, 60970 Lends in Illinois At The First Trust and Savings Bank, we believe that banking is personal and relationships are valued. It is important to take the time to visit with you about the many issues that affect your finances and your future. Our objective is to match you with the product and service that is right for your needs, from checking.
(877) 888-5629 Lender's profile and map First Mid 1515 Charleston Ave, Mattoon, IL, 61938 Lends in Illinois First Mid Bank & Trust, N.A. (“First Mid Bank”); First Mid Wealth Management Co.; and First Mid Insurance Group, Inc.First Mid is a $6.0 billion community-focused organization that provides a full-suite of financial services including banking, wealth management, brokerage, ag services, & insurance through a sizeable network of locations throughout.