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.
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™).
| 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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