In 2026, FHA loan limits for Winnetka county of Cook, IL, are set at $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum for a single-family home is $726,200, for two-unit homes it is $929,850, for three units, $1,123,900, and for four units, $1,396,800.
Our FHA calculator can show today’s best FHA rates and helps determine the needed downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Look into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® retrieves data from thousands of lenders and aligns it with your financial profile and unique needs.
The Loan Limits Comparison Table for 2026 in Winnetka county of Cook, IL details FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to check requirements such as 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 | $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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