For 2026, the FHA loan limits in Swansea county of St. Clair, IL are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum amount for conventional loans on a single-family residence is $726,200, while two-unit homes have a limit of $929,850, three units $1,123,900, and four units $1,396,800.
Use our FHA calculator to find today's best rates and check the downpayment, income, credit, reserves, and documents needed to qualify.
Lendersa® calculator lets you compare FHA interest rates and terms with other loan programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA.
Lendersa® accesses data from thousands of lenders and quickly matches it to your financial profile and needs.
For 2026 in Swansea county of St. Clair, IL, the Loan Limits Comparison Table shows maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit.
| 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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