Quincy, Illinois Mortgage & Home Loans
Quincy is a historic Mississippi River city in western Illinois, known for its architecture and affordable housing. It serves as a regional hub for the surrounding area.
- Population 39,463
- Local, licensed guidance
Adams 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 Quincy
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 Quincy? Illinois Housing Development Authority (IHDA) programs and other down-payment assistance may be available in Adams County. See first-time buyer options →
Talk to a Quincy loan officer
Tell us about your goals and a licensed loan officer will help you find the right loan for Quincy. No obligation.
What are your goals?
Quincy mortgage FAQ
Is Quincy affordable for buyers?
Quincy offers affordable, characterful housing and serves as a regional center in western Illinois, making it accessible for many first-time buyers.
What's the FHA limit in Quincy?
Adams County follows Illinois' statewide 2026 FHA limit of $541,287 (one-unit) and the $832,750 conforming limit.