In 2026, the FHA loan limit for Des-Peres county of St. Louis, MO is set at $356,362 for a single-family home. For 2-units, it is $456,275, for 3-units $551,500, and for 4-units, it's $685,400.
The maximum conventional loan amounts are $548,250 for single-family residences, $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for properties with 4-units.
Utilize our FHA calculator to find today’s optimal FHA rates and to determine necessary downpayments, income, credit, reserves, and required documentation for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with other loan programs. Analyze and contrast Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects loan data from thousands of lenders and quickly aligns it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Des-Peres county of St. Louis, MO offers a look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications such as income, reserves, and credit requirements.
| 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 | $0 | $0 | $0 | $0 |
| 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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