Alton, Illinois Mortgage & Home Loans
Alton is a historic Mississippi River city in Madison County's Metro East, known for its architecture, bluffs, and affordable housing near St. Louis.
- Population 25,676
- Local, licensed guidance
Madison County loan limits (2026)
- FHA loan limit (1-unit)
- $541,287
- Conforming limit (1-unit)
- $832,750
- Jumbo loan threshold
- Above $832,750
Illinois has no high-cost counties, so these limits apply statewide. Figures as of 2026 and subject to change — verify current limits with FHFA/HUD. Not a commitment to lend.
Loan options in Alton
Purchase Loans
Buy your next home with a loan matched to your budget and goals.
Learn moreRefinance Loans
Lower your rate, change your term, or tap equity with a refinance.
Learn moreFHA Loans
Low down payments and flexible credit for first-time and repeat buyers.
Learn moreVA Loans
Zero-down financing for eligible veterans, service members, and spouses.
Learn moreUSDA Loans
No-down-payment loans for eligible homes in rural Illinois communities.
Learn moreJumbo Loans
Financing above the conforming limit for higher-priced Illinois homes.
Learn moreFirst-Time Home Buyers
Programs, down-payment assistance, and guidance for your first purchase.
Learn moreFirst-time buyer in Alton? Illinois Housing Development Authority (IHDA) programs and other down-payment assistance may be available in Madison County. See first-time buyer options →
Talk to a Alton loan officer
Tell us about your goals and a licensed loan officer will help you find the right loan for Alton. No obligation.
What are your goals?
Alton mortgage FAQ
Is Alton affordable?
Alton offers affordable, characterful housing along the Mississippi River in the Metro East, accessible to first-time buyers.
What loan limits apply in Alton?
Madison County uses Illinois' 2026 limits: $541,287 FHA (one-unit) and $832,750 conforming.