Aurora, Illinois Mortgage & Home Loans
Aurora is Illinois' second-largest city, set along the Fox River in the western suburbs and spanning parts of Kane, DuPage, Kendall, and Will counties. It offers a mix of historic homes near downtown and newer subdivisions on the outskirts, often at prices below the closer-in DuPage suburbs. That blend makes it popular with first-time buyers and growing families commuting toward Chicago.
- Population 180,542
- Local, licensed guidance
Kane 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 Aurora
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 Aurora? Illinois Housing Development Authority (IHDA) programs and other down-payment assistance may be available in Kane County. See first-time buyer options →
Talk to a Aurora loan officer
Tell us about your goals and a licensed loan officer will help you find the right loan for Aurora. No obligation.
What are your goals?
Aurora mortgage FAQ
Is Aurora a good market for first-time buyers?
Many first-time buyers choose Aurora for its relative affordability and Metra access. FHA, conventional, and first-time buyer programs (including Illinois IHDA assistance) are all worth comparing here.
What loan limits apply in Aurora?
Aurora's counties use Illinois' 2026 limits: $541,287 for FHA (one-unit) and $832,750 conforming. Homes priced above $832,750 typically require a jumbo loan.