For 2026, the FHA loan limits applicable in Excelsior-Springs within Clay county, MO, are $389,850 for a single-family house, $499,050 for 2-unit properties, $603,250 for 3-unit homes, and $749,700 for those with 4 units.
The conventional loan amounts maximums are listed as $548,250 for single-family residences, $702,000 for 2-unit houses, $848,500 for homes with 3 units, and a cap of $1,054,500 for 4-unit dwellings.
Use our FHA calculator to explore the top FHA rates available today, and calculate the necessary downpayment, income, credit, reserves, and required documentation for qualification.
The Lendersa® calculator allows comparisons of FHA rates and terms against those of other loan programs. You can explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® swiftly processes loan program data from thousands of lenders and aligns it with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Excelsior-Springs county, Clay, MO, includes contrasts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To explore qualification details like income, reserves, and credit requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $389,850 | $499,050 | $603,250 | $749,700 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $311,800 | $311,800 | $311,800 | $311,800 |
| 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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