In 2026, FHA loan limits for Wheeling county within Cook, IL, are set as follows: $472,030 for a single-family home, $604,400 for homes with 2-units, $730,525 for 3-units, and up to $907,900 for 4-unit residences.
For conventional loans, the highest amount possible for a single-family home is $726,200, extending to $929,850 for two units, $1,123,900 for three units, and achieving $1,396,800 for four units.
Leverage our FHA calculator to access today's leading FHA rates, assisting you in figuring out downpayment necessities, evaluating income, credit, reserves, and assembling the necessary documents to qualify.
The Lendersa® calculator provides an opportunity to assess and compare FHA rates and terms with those from other loan programs. Delve into exploring a spectrum of loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans alongside FHA products.
Lendersa® compiles extensive loan program data from thousands of lenders, quickly aligning it with your unique financial profile and necessities.
Refer to the Loan Limits Comparison Table for 2026 located in Wheeling county of Cook, IL, covering FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loan maxima. To compare comprehensive qualification criteria like income, reserves, and credit, utilize 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 | $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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