Home / Where we lend / Illinois / DuPage County
Collar counties · IllinoisMortgage lender in DuPage County, IL
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Illinois and makes purchase and refinance loans in DuPage County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Illinois. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in DuPage County
DuPage County, with its county seat in Wheaton, also takes in most of Naperville, Downers Grove, Elmhurst, Lombard, Glen Ellyn and Carol Stream. DuPage County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Illinois, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $541,287 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- attorneys and a title company
- State housing agency
- Illinois Housing Development Authority (IHDA) (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. DuPage County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
DuPage County: the western suburbs
DuPage is established suburbs along the commuter rail lines, mostly single-family homes, with townhome and condominium communities in Naperville, Lombard, Carol Stream and near Oak Brook. Association dues count in the payment, and a condominium project is reviewed along with the buyer.
Property taxes here are substantial and differ from one school district to the next, so we work from the tax bill for the address. Because Illinois taxes are billed a year behind, the seller credits the buyer at closing. Older towns such as Elmhurst, Hinsdale and Glen Ellyn see many teardown and new-construction purchases, which are financed differently from a resale.
DuPage County by the numbers
- Median home value
- $391,400 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 2.05% of home value a year: median tax bill $8,007 on a median value of $391,400 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- State transfer tax of 50 cents per $500 of the price; counties and many municipalities add their own (35 ILCS 200/31-10)
- Largest communities
- Naperville, Wheaton, Aurora, Downers Grove (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $391,400. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Illinois
Closings in Illinois are typically handled by an attorneys and a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Illinois page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions DuPage County buyers ask
Does Stellar Mortgage lend in DuPage County, IL?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Illinois and makes purchase and refinance loans in DuPage County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Illinois and works Illinois files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in DuPage County?
For 2026 the conforming loan limit for a one-unit home in DuPage County is $832,750 and the FHA limit is $541,287. DuPage County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in DuPage County?
The Illinois Housing Development Authority (IHDA) runs Illinois’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in DuPage County?
The state transfer tax is 50 cents per $500 of the price. Counties and many municipalities, including Chicago, add their own, and local ordinance and the contract decide who pays each.
Illinois notice. For licensing information, go to: www.nmlsconsumeraccess.org. Stellar Mortgage Corporation, NMLS #2190975. Steve Umansky, NMLS #61764.
Limits shown are the 2026 FHFA and HUD figures for DuPage County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in DuPage County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
Ready to see what you qualify for?