FHA VS Conventional loan programs in Des-Peres, St. Louis County, Missouri

In 2026, the Conventional loan limit for Des-Peres, located in the county of St. Louis, MO, is $647,200, while the FHA limit for a single-family home is $420,680.

With the Lendersa® Conventional loan calculator, you can compare today's best rates for Conventional, FHA, and USDA loans, and find out what income, credit, reserves, and documents are needed to qualify. Our advanced mortgage calculator shows Conforming Conventional loans, USDA, FHA, and VA side by side, enabling you to select the best program for your financial situation in MO.

Compare loan offers from over 100 lenders

Loan limits and down payment requirements for 2026 in Des-Peres, St. Louis, MO

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $0 0%
FHA $420,680 3.5%

This table is relevant for zip codes: 63122

Explore Conventional and FHA loan options in Des-Peres, MO

Lendersa® strives to secure the optimal Conventional, USDA, or FHA loan for you quickly and effortlessly. Choose from three pathways that connect you with matching lenders and programs.

Log of Lendersa USDA loan requests and matches


  • PLATINUM MORTGAGE, LLC
  • 1915 Morris Avenue, #2, Union, NJ, 7083
  • At Platinum Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you

  • Mortgage First Direct Inc
  • 1923 Springfield Avenue, Maplewood, NJ, 07040
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide real estate financing to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • First Home Bank
  • 700 Central Avenue, Saint Petersburg, FL, 33701
  • First Home Bank has been focused on being the premier bank of the Tampa Bay area. Headquartered in St. Petersburg, Florida, we’ve grown our independent community bank into a top nationwide SBA lender, with a nationwide team of more than 200 residential mortgage originators - but we never lose sight of our neighbors.

  • Bison Financial Group
  • 735 Arlington Avenue N, Suite 110, Saint Petersburg, FL, 33701
  • Bison Financial Group is an entrepreneurial firm advising real estate investors, developers and turn-around artists that buy, build, sell and finance commercial real estate. Bison has developed distinct expertise in the acquisition and finance of distressed properties with tremendous upside potential.

  • All American Mortgage Co
  • 575 2nd Avenue South, Suite 204, Saint Petersburg, FL, 33701
  • At All American Mortgage, we believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, and mortgages for self employed. Since our business is built primarily

  • Sun West Mortgage Company, Inc.
  • 360 Central Ave Suite 800, Saint Petersburg, FL, 33701
  • Sun West Mortgage is a full service, mortgage banker established in 1980. The company's excellent service and fast turn-time has made Sun West a multi-billion dollar national originator.As a result, Sun West is a leader in offering a diverse set of products with low rates and excellent pricing.

  • Savvy Mortgage Lending
  • 100 2nd Ave N, Suite 240, Saint Petersburg, FL, 33701
  • Savvy Mortgage professionals are standing by ready to give you the personal attention you deserve, to help you through every step of the process. We will make it as easy and as enjoyable as we possibly can. We want to see you starting to enjoy your new home as fast as possible and also Our business is based on uncompromised Value, Expertise.

  • Gateway Capital Mortgage
  • 11 Beach Drive SE, Saint Petersburg, FL, 33701
  • Gateway Capital Mortgage Our goal is to provide you with highest levels of service while providing you with the lowest cost home loans. Gateway Capital Mortgage has been focused on keeping customers satisfied since day one, and has consistently maintained a 99% mortgage satisfaction level in all customer service areas

  • Goldd Global Consulting, LLC
  • 44 Buckley Lane, Bayville, NJ, 08721
  • Direct Private Lender Sources - Up To 100 Million +
    100% LTV / 100% LTC
    & Foreign Investor Loan

    REAL ESTATE
    Poor Credit - Bankruptcy / Foreclosure - Construction / Fix & Flips - Purchase / Refi - Land Loan

    BUSINESS FUNDING
    Acquisition
    Expansion
    Equity / Venture Capital

  • Richmond County Mortgage
  • 7448 Amboy Road, Staten Island, NY, 10307
  • at Richmond County Mortgage strive to make customer service our priority. Our mission is to serve our customers with honesty, integrity, and competence.We have a hands-on approach and constant contact with each borrower, making it as seamless as possible throughout the mortgage process

  • Motion Federal Credit Union
  • 360 N Wood Avenue, Linden, NJ, 07036
  • Motion is a not-for-profit, member-owned, volunteer-directed financial cooperative that provides sound, customized banking solutions for member/owners and their families. Motion exists to assist our member/owners with better cash flow management, while exceeding their financial service expectations.