Woodstock, Illinois Mortgage & Home Loans
Woodstock, the McHenry County seat, is known for its historic Square and small-town charm, with Metra access to Chicago. It blends historic homes with newer neighborhoods.
- Population 25,630
- Local, licensed guidance
McHenry 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 Woodstock
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 Woodstock? Illinois Housing Development Authority (IHDA) programs and other down-payment assistance may be available in McHenry County. See first-time buyer options →
Talk to a Woodstock loan officer
Tell us about your goals and a licensed loan officer will help you find the right loan for Woodstock. No obligation.
What are your goals?
Woodstock mortgage FAQ
Why buy in Woodstock?
Woodstock's historic Square, small-town character, and Metra commuting make it appealing to families and those seeking charm with value.
What's the FHA limit in Woodstock?
McHenry County follows Illinois' statewide 2026 FHA limit of $541,287 (one-unit) and the $832,750 conforming limit.