In the year 2026, the FHA loan limits set for Cottleville county in St. Charles, MO are as follows: $472,030 is the limit for a single-family home, $604,400 for homes with two units, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
For conventional loans, the maximum allowable amounts are $726,200 for a single-family residence, $929,850 for properties with two units, $1,123,900 for those with three units, and $1,396,800 for four-unit dwellings.
Utilize our FHA calculator to discover today’s most competitive FHA rates. This tool will assist you in determining essential factors such as downpayment amounts, income requirements, credit qualifications, reserves, and necessary documentation to meet eligibility criteria.
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The Lendersa® calculator is your tool to compare FHA rates and terms with those of other loan programs. You can explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® aggregates extensive loan program data from numerous lenders, analyzing it rapidly against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cottleville county of St. Charles, MO allows you to see and compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a more thorough comparison of qualification factors such as income, reserves, and credit ratings, 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 | $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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