2026 loan limits in Fulton County, Illinois
In Fulton County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Fulton County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Fulton County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Fulton County?
$541,287 for a one-unit home.
More for Fulton County
Fulton County property taxesFHA loan limits toolIllinois closing costsAstoria 61501 market dataAvon 61415 market dataCanton 61520 market dataCuba 61427 market dataDunfermline 61524 market dataEllisville 61431 market dataFairview 61432 market dataFarmington 61531 market dataIpava 61441 market dataLewistown 61542 market data
2026 limits from HUD’s county files (Canton, Il). Conforming limits are set by the Federal Housing Finance Agency.