2026 loan limits in Vermilion County, Illinois
In Vermilion 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 Vermilion 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 Vermilion County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Vermilion County?
$541,287 for a one-unit home.
More for Vermilion County
Vermilion County property taxesFHA loan limits toolIllinois closing costsAllerton 61810 market dataAlvin 61811 market dataArmstrong 61812 market dataBismarck 61814 market dataCatlin 61817 market dataDanville 61832 market dataDanville 61834 market dataFairmount 61841 market dataFithian 61844 market dataGeorgetown 61846 market data
2026 limits from HUD’s county files (Danville, Il). Conforming limits are set by the Federal Housing Finance Agency.