2026 loan limits in Lee County, Illinois
In Lee 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 Lee 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 Lee County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Lee County?
$541,287 for a one-unit home.
More for Lee County
Lee County property taxesFHA loan limits toolIllinois closing costsAmboy 61310 market dataAshton 61006 market dataCompton 61318 market dataDixon 61021 market dataEldena 61324 market dataFranklin Grove 61031 market dataHarmon 61042 market dataLee 60530 market dataPaw Paw 61353 market dataSteward 60553 market data
2026 limits from HUD’s county files (Dixon, Il). Conforming limits are set by the Federal Housing Finance Agency.