In 2026, the FHA loan limit in Cape-Girardeau county of Cape Girardeau, MO is set at $356,362 for a single-family home. The limit for properties with 2 units is $456,275, for 3-units it is $551,500, and for 4-units, it is $685,400.
For conventional loans, the maximum one can borrow on a single-family home is $548,250. If dealing with 2-units, it's up to $702,000; for 3-units, $848,500; and for a 4-unit building, $1,054,500.
Utilize our FHA calculator to explore today's best FHA rates and determine the required downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with those of all other available loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® acquires data from a vast number of lenders and promptly matches it to your fiscal profile and needs.
For 2026, in Cape-Girardeau county of Cape Girardeau, MO, consult the Loan Limits Comparison Table to evaluate FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans’ maximum amounts. To explore qualification needs like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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