For 2026, FHA loan limits in Summit county within Cook, IL, are set at $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
The maximum amount for conventional loans on a single-family residence stands at $726,200. For two-unit homes, it's $929,850, for three-unit dwellings, $1,123,900, and for homes with four units, $1,396,800.
Leverage our FHA calculator to discover today's leading FHA rates and check the necessary downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator facilitates comparing FHA interest rates and terms with those of other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® aggregates loan program data from thousands of lenders, swiftly aligning it with your financial profile and specific requirements.
The Loan Limits Comparison Table for 2026 in Summit county of Cook, IL, provides a comprehensive view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements such as income, reserves, and credit, use 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 | $0 | $0 | $0 | $0 |
| 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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