As of 2026, the FHA loan limits in Ballwin county, part of St. Louis in MO, are set as follows: For a single-family home, the limit is $472,030. Two-unit properties have a limit of $604,400, while those with three units have a larger limit of $730,525. If you have a four-unit property, the limit reaches $907,900.
Turning to conventional loans, the highest permissible loan amount for a single-family residence is $726,200. For two-unit homes, you can borrow up to $929,850. The ceiling for three-unit homes is substantially higher at $1,123,900, and for four-unit residences, the maximum available is $1,396,800.
By utilizing our FHA calculator, you can immediately access today’s leading FHA interest rates. This tool also assists in calculating the required downpayment, identifying income prerequisites, evaluating credit scores, assessing reserve needs, and listing all necessary documentation for eligibility.
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The Lendersa® calculator is a comprehensive tool that empowers you to align and compare the rates and terms of FHA loans with those offered by various other loan programs. This includes thorough evaluations and comparisons between Conventional loans, Jumbo loans, VA and USDA offerings, Non-QM loans, as well as hard money financing solutions, all alongside FHA.
By accessing a vast repository of loan program data from a wide range of lenders, Lendersa® allows quick, precise comparisons against your specific financial scenario and requirements, delivering results in just moments.
Our detailed Loan Limits Comparison Table for 2026 covers Ballwin county within St. Louis, MO. Here, you can scrutinize and contrast the maximum permissible loan amounts across various loan types, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo options, Reverse Mortgages (HECM), and hard money loans. Additionally, to evaluate qualification requirements related to factors like Income, reserve levels, and credit score standards, you can utilize the advanced capabilities of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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