- 2026 FHA loan limit, Kane County (one-unit home)
- $541,287
- 2026 conforming loan limit, Kane County (one-unit home)
- $832,750
- Kane County median sale price, Q2 2026 · Illinois REALTORS
- $405,000
FHA limit: HUD FHA mortgage limits, checked October 8, 2026. Conforming limit: FHFA conforming loan limits, checked October 8, 2026. Sale price: Illinois REALTORS Q2 2026 report, checked October 8, 2026. This price covers all of Kane County. It is not an Elgin price.
Mortgage loans in Elgin, IL
- Fox River location.
Down payment assistance is an option for many buyers, but most DPA programs carry a repayment or recapture condition that changes the real cost of the loan. Read the second lien, not just the first.
Part of the city extends into Cook County.
Programs commonly used in Elgin
This is what tends to fit the price point and property type here, not a list of everything that exists. Which one is right for you depends on your file.
Have an offer on a property in Elgin?
Send the Loan Estimate. You will get back what is worth questioning on it, including “nothing, this is a good offer,” when that is the answer.