2025 FHA (Government Loans) Limits for Clayton, St. Louis County, Missouri

For the year 2025, the FHA loan limit in Clayton county of St. Louis, MO is $472,030 for a single-family dwelling. Limits increase to $604,400 for two-unit homes, $730,525 for three-unit homes, and $907,900 for four-unit buildings.

The maximum obtainable for conventional loans is $726,200 for a single-family home, with limits rising to $929,850 for two-unit properties, $1,123,900 for three-unit residences, and $1,396,800 for four-unit dwellings.

Our FHA calculator will assist you in exploring today’s optimal FHA rates, and help you calculate the necessary down payment, as well as the income, credit, reserves, and documents needed for qualification approval.

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Explore loan choices in Clayton, MO

The Lendersa® calculator provides a way to evaluate FHA terms and rates against other loan programs. You can compare options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.

By gathering data from a vast number of lenders, Lendersa® rapidly aligns it with your personal financial profile and preferences.

The Loan Limits Comparison Table for 2025 in Clayton county of St. Louis, MO allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To compare qualification criteria such as income, reserves, and credit standings, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).

Loan limits Clayton county of St. Louis, MO

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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  • Open Mortgage
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  • Open Mortgage is a fast-growing national multi-channel mortgage lender that Empowers the American dream of homeownership. Since 2003 we strive to empower our loan originators and partners to be educators, helpers, doers to help change lives. This is why we come to work each day, ready to put people on a path to homeownership and a better life
  • FIRST COMMUNITY MORTGAGE GROUP, INC.
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  • A Mortgage Boutique is a division of First Community
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