As of 2026, the FHA loan limits in Centralia county, which is part of Boone, MO, are defined as follows: $472,030 for a single-family dwelling, rising to $604,400 for 2-unit properties. For properties with three units, the limit is $730,525, and for those with four units, it is set at $907,900.
Regarding conventional loans, the maximum amounts are $726,200 for single-family residences, increasing to $929,850 for 2-unit houses, $1,123,900 for 3-units, and reaching up to $1,396,800 for 4-unit properties.
Make use of our FHA calculator to evaluate the most competitive FHA rates available today, allowing you to calculate necessary factors such as your downpayment, required income, credit score, necessary reserves, and documentation to determine your eligibility.
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With the Lendersa® calculator, you can evaluate and compare terms and rates of FHA loans against those offered by other loan programs. Look into differences between Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans in comparison to FHA options.
Lendersa® efficiently takes detailed loan program information from a vast number of lenders and quickly matches it to your specific financial circumstances, providing a comparative insight in moments.
Review the Loan Limits Comparison Table for 2026 in Centralia within Boone, MO to examine maximum borrowing capacities for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and Hard Money loans. To explore eligibility criteria such as income levels, reserve requirements, and needed credit scores, utilize Lendersa®’s innovative 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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