In the year 2026, the FHA loan limit for Ferguson county in St. Louis, MO, is set at $472,030 for single-family homes. For properties with two units, the limit increases to $604,400, while those with three units can reach $730,525, and four-unit residences have a limit of $907,900.
Conventional loans offer maximum borrowing amounts that differ slightly: $726,200 for single-family homes, $929,850 for two-unit settings, $1,123,900 for three-unit dwellings, and topping out at $1,396,800 for four-unit accommodations.
Explore today’s best FHA rates using our calculator, which aids in calculating the necessary downpayment, income requirements, credit standings, reserves, and documentation needed to qualify successfully.
Delve into a wide selection of loan offers from over 100 lenders
The Lendersa® calculator is designed to allow comprehensive comparisons between FHA rates and terms and those offered by other loan programs. This includes a variety of lending options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all alongside FHA.
Lendersa® compiles data from a wide range of lenders and uses this information to match with your specific financial profile and individual needs in a fraction of the time.
For the year 2026, within Ferguson county of St. Louis, MO, our Loan Limits Comparison Table provides a detailed analysis of maximum allowable loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly review qualification expectations such as income, reserve levels, and credit prerequisites, leverage 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 |
|
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
