In 2026, the FHA loan limits in Dardenne-Prairie county of St. Charles, MO are $356,362 for a single-family home. For two-unit homes, limits are $456,275; for three units, $551,500; and for four units, $685,400.
The limits for conventional loans are $548,250 for single-family residences. It goes to $702,000 for two units, $848,500 for three units, and up to $1,054,500 for four units.
Leverage our FHA calculator to find today’s optimal FHA rates and calculate the necessary down payment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator provides a framework to compare FHA rates and terms with those of other loan types, like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Gathering data from thousands of lenders, Lendersa® quickly aligns this information with your financial profile and specific needs.
In 2026, use the Loan Limits Comparison Table in Dardenne-Prairie county of St. Charles, MO to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For requirements like income, reserves, and credit assessments, employ 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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