FHA VS Conventional loan programs in 2026 for St.-Ann, St. Louis County, Missouri

In 2026, the limit for conventional loans in St.-Ann, located in St. Louis County, MO, is set at $647,200, whereas the FHA loan limit for a single-family home is capped at $420,680.

Utilize the Lendersa® Conventional loan calculator to evaluate and contrast today’s top Conventional, FHA, and USDA rates. This tool also helps you find out the income, credit, reserves, and documents you will need to qualify. With our sophisticated mortgage calculator, compare Conventional loans, USDA, FHA, and VA side by side to determine which is ideal for your financial needs in MO.

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Loan limits and down payment requirements for 2026 in St.-Ann, St. Louis County, MO

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

This comparison table is applicable to these zip codes: 63074

Examining Conventional and FHA loan choices in St.-Ann, MO

The aim of Lendersa® is to secure you the best Conventional, USDA, or FHA loans quickly and with ease. Choose from three options to connect with suitable lenders and loan programs.

USDA loan request and matching results with Lendersa


  • Baker Mortgage
  • 1 Sugar Creek Center Blvd, Suite 945, Sugar Land, TX, 77478
  • Baker Mortgage was started in 1955 by Gordon R. Baker, a native Houstonian who grew up in a modest home on Anita Street in downtown Houston. After a tour of duty in the U.S. Navy, and putting himself through school at the University of Houston, it was rather obvious that Gordon was not going to be happy with the average desk job.

  • Journey Lending
  • 15907 Morgan Street, Sugar Land, TX, 77478
  • Journey Lending is a licensed mortgage originator based in Sugarland, Texas . Our business is built on our industry expertise, partner relationships, and providing the best service to every customer we work with, and every loan we service. Our mission is to make your journey to homeownership a joyous experience.

  • Top Mortgage LLC
  • 800 Bonaventure Way, Suite 102, Sugar Land, TX, 77478
  • Buying a home is one of the largest financial decisions you’ll make in your lifetime. It can also be one of the most stressful decisions for many buyers, especially first-time buyers. Serving the Greater Houston Area and all of Texas for 17 years, we are here to guide you through the process and find the best option to suit your financial needs.

  • Discovered Homes Investment Inc
  • 800 Bonaventure Way, Suite 107, Sugar Land, TX, 77478
  • Discovered Homes We specialize in providing real estate services to thousands of people in the Houston and surrounding areas . We promise great customer service and an amazing experience. No exception Our goal is ensuring that you accomplish your real estate dreams from the moment you call until you reach your new home

  • Archstone Lending Group
  • 3 Sugar Creek Center Blvd, Suite 100, Sugar Land, TX, 77478
  • Archstone Lending Group, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Oakdale Mortgage
  • 16554 Creek Bend Drive, Suite 220, Sugar Land, TX, 77478
  • Oakdale Mortage Our experienced loan officers make sure that you are making the right decision in your mortgage by giving you the attention and information needed to ensure a successful and timely closing. We know that the best results for one of life’s biggest decisions cannot be left to just anyone – at Oakdale Mortgage.

  • Sutherland Mortgage Services Inc.
  • 14090 Southwest Freeway, Suite 300, Sugar Land, TX, 77478
  • Sutherland Mortgage Services, Inc. was founded in 1998. The company's line of business includes originating mortgage loans, selling mortgage loans to permanent investors, and servicing loans.Sutherland Mortgage Services, Inc., is Licensed in the State of New York but does not do business in the State of New York using this website.

  • Justice Federal Credit Union
  • 5175 Parkstone Drive, Suite 200, Chantilly, VA, 20151
  • The Justice Federal Credit Union Foundation was founded with a mission to offer programs and engage in charitable activities that promote education, recognize professional excellence and caring for others, reduce hardship, and improve the lives of Justice Federal Credit Union Members