For the year 2026, FHA loan limits in the county of Champaign, located in Urbana, IL, are as follows: the limit is $472,030 for single-family homes, increases to $604,400 for residences with 2-units, to $730,525 for 3-unit buildings, and reaches $907,900 for homes with 4-units.
In terms of conventional loans, the maximum amount available for a single-family residence is $726,200. For two-unit homes, it heightens to $929,850, continues to $1,123,900 for three-unit places, and culminates at $1,396,800 for properties housing four units.
Utilize our FHA calculator to explore the current top FHA rates and to decide on the necessary downpayment, income levels, credit requirements, reserves, and documentation to qualify effectively.
The Lendersa® calculator is designed to facilitate the direct comparison of FHA rates and terms with those of other loan programs. Dive into examining a variety of loans, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and Hard Money loans alongside FHA options.
Lendersa® collects extensive loan data from a multitude of lenders, enabling quick comparisons tailored specifically to your financial needs and profile.
For 2026, our Loan Limits Comparison Table in Urbana county of Champaign, IL, presents a comparison across several loan types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan amounts. For a thorough analysis of qualification standards—such as 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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