In 2026, the FHA loan limits in Sterling county of Whiteside, IL are: $472,030 for a single-family home, increasing to $604,400 for 2-unit residences, $730,525 for 3-units, and reaching $907,900 for 4-units.
For conventional loans, the maximum for a single-family residence is $726,200. The limit extends to $929,850 for 2-units, $1,123,900 for 3-units, and caps at $1,396,800 for 4-units.
Use our FHA calculator to explore today's best FHA rates and ascertain necessary downpayments, income requirements, credit criteria, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Look into possibilities like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans alongside FHA.
Lendersa® sources loan data from thousands of lenders, providing quick, tailored comparisons to fit your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Sterling county of Whiteside, IL, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For detailed qualification requirements like income, reserves, and credit, employ 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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