For the year 2026, the FHA loan limit in Eureka county, which is part of St. Louis, MO, stands at $472,030 for a single-family residence, $604,400 for a 2-unit property, $730,525 for a 3-unit building, and $907,900 for those with 4 units.
The maximum allowed amounts for conventional loans are $726,200 for a single-family home, $929,850 for 2-unit residences, $1,123,900 for a property with 3 units, and $1,396,800 for 4-unit dwellings.
Utilize our FHA calculator to find today's best rates, helping determine the down payment required, income level, credit, reserves, and documents necessary for eligibility.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. This includes directly comparing FHA options to Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers data from thousands of lenders and swiftly matches it against your unique financial circumstances and requirements.
The Loan Limits Comparison Table for the year 2026 in Eureka, within St. Louis county of MO, provides a comparison across maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification needs, such as income, reserves, and credit, consider using 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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