For the year 2026, the FHA loan limit in the county of St. Louis, located in Fenton, MO, is set at $472,030 for single-family homes. For properties with 2 units, it is $604,400, while for those with 3 units, the limit is $730,525. For properties with 4 units, the limit amounts to $907,900.
The maximum permissible loan amount for conventional loans stands at $726,200 for single-family residences. For residency comprising 2 units, it is $929,850, for 3 units it is $1,123,900, and for 4-unit properties, the maximum loan amount is $1,396,800.
To discover today's most competitive FHA rates and determine the necessary downpayment, income, credit score, reserves, and required documentation, make use of our FHA calculator.
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The Lendersa® calculator allows you to compare FHA rates & terms with those of other loan programs. You can explore and contrast various options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
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For 2026, the Loan Limits Comparison Chart in the county of St. Louis, Fenton, MO provides a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To assess qualification criteria such as income, reserves, and credit scores, utilize 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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