In 2026, the maximum allowable FHA loan in the vicinity of Black-Jack within St. Louis county in MO is set at $356,362 for a single-family home. For properties with two units, the limit is $456,275, whereas for three-unit homes, it is $551,500. The cap for four-unit properties is $685,400.
Regarding conventional loans, the ceiling for a single-family residence is fixed at $548,250. For properties with two units, the maximum is $702,000, for three units, the limit is $848,500, and for four units, it is $1,054,500.
Utilize our FHA calculator to examine the optimal FHA rates available currently. This tool will also help you assess the necessary downpayment, income requirements, credit score, reserves, and documentation to qualify for a loan.
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The Lendersa® calculator provides a feature-rich platform enabling you to compare FHA rates and terms with those of other loan programs. You can delve into and contrast FHA with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan options.
Lendersa® accumulates extensive loan program data from countless lenders, offering rapid comparisons tailored to your personal financial profile and needs. This streamlined process considers your unique circumstances, presenting a customized view of potential loan opportunities.
For 2026, the Loan Limits Comparison Table situated in Black-Jack county of St. Louis, MO allows you to analyze the maximum loan amounts feasibly accessible via FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To investigate qualification criteria such as necessary income levels, reserves, and credit, make use of Lendersa®'s comprehensive Super Loan Integrated Qualifier (SLIQ™), designed to streamline your loan assessment process.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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