In 2026, within Winthrop-Harbor county, Lake, IL, the FHA loan limits are established at $379,500 for a single-family home, $485,800 for two-unit dwellings, $587,250 for three-unit properties, and $729,800 for buildings with four units.
The maximum conventional loan amounts rise to $548,250 for a single-family residence. For 2-units, it is $702,000; for 3-units, it reaches $848,500; and for 4-units, caps at $1,054,500.
Utilize our FHA calculator to view the top FHA rates available today and find out the required downpayment, income, credit, reserves, and documents necessary to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those offered by other loan programs. Evaluate and contrast options such as conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® pools data from numerous lenders and swiftly compares it to your financial situation and requirements.
Review the Loan Limits Comparison Table for 2026 in Winthrop-Harbor county, Lake, IL, to assess maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To examine qualification specifics like income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is your tool.
| 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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