In 2026, FHA loan limits for Breckenridge-Hills county in St. Louis, MO, are set at $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four-unit properties.
The maximum loan amount for conventional loans is $548,250 for one-unit homes, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to view today's top FHA rates, determining necessary downpayments, income, credit requirements, reserves, and documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly collects loan program data from thousands of lenders, assessing it against your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Breckenridge-Hills, St. Louis, MO compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review qualification needs such as income, reserves, and credit.
| 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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