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.
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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 |
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