For 2026, FHA loan limits in Troy county, part of Madison, IL, are set at $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for three-unit properties, and $907,900 for four-unit homes.
The highest amount for conventional loans on a single-family home is $726,200. For two-unit structures, it reaches $929,850, for three-unit buildings, the limit is $1,123,900, and for four-unit properties, it's $1,396,800.
Leverage our FHA calculator to view today’s leading FHA rates and analyze necessary downpayment, income, credit requirements, reserves, and documentation required to qualify.
The Lendersa® calculator facilitates comparing FHA rates and terms with those of other loan options. Review choices like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA products.
Lendersa® acquires comprehensive loan program data from thousands of lenders, providing swift comparisons matched to your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Troy county of Madison, IL, offers an overview 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 standards 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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