2026 loan limits in Randolph County, Illinois
In Randolph 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 Randolph 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 Randolph County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Randolph County?
$541,287 for a one-unit home.
More for Randolph County
Randolph County property taxesFHA loan limits toolIllinois closing costsBaldwin 62217 market dataChester 62233 market dataEllis Grove 62241 market dataEvansville 62242 market dataPercy 62272 market dataPrairie Du Rocher 62277 market dataSparta 62286 market dataSteeleville 62288 market dataTilden 62292 market dataWalsh 62297 market data
2026 limits from HUD’s county files (Non-Metro). Conforming limits are set by the Federal Housing Finance Agency.