For 2026, the FHA loan limit in Ellisville county of St. Louis, MO, is $472,030 for single-family homes, $604,400 for 2-unit properties, $730,525 for 3-unit residences, and $907,900 for 4-unit buildings.
The maximum loan amount for conventional loans on a single-family home is $726,200. For properties with 2 units, it is $929,850, for 3-units, it reaches $1,123,900, and $1,396,800 for homes with 4 units.
Our FHA calculator provides insights into today’s best FHA rates and helps assess necessary downpayment, income levels, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows comparison of FHA rates and terms with those from other loan programs. Evaluate and contrast options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA terms.
Lendersa® efficiently gathers loan data from thousands of lenders, providing a swift analysis against your individual financial profile and needs.
Access the Loan Limits Comparison Table for 2026 in Ellisville county, St. Louis, MO, to explore maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements such as income, reserves, and credit.
| 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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