In 2026, FHA loan limits for Willow-Springs county, Cook, IL are $379,500 for single-family homes, $485,800 for 2-units, $587,250 for 3-units, and $729,800 for 4-units.
For conventional loans, the cap is $548,250 for single-family residences, $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to find today’s best rates and see what downpayment, income, credit, reserves, and documents you need to qualify.
Use the Lendersa® calculator to compare FHA rates with other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® instantly analyzes data from many lenders to suit your financial profile.
Refer to the 2026 Loan Limits Comparison Table in Willow-Springs county, Cook, IL, to evaluate FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® SLIQ™ to understand qualification needs such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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