During 2026, in Florissant county of St. Louis, MO, the FHA loan limits are as follows: $472,030 for single-family homes, $604,400 for 2-unit properties, $730,525 for 3-unit buildings, and $907,900 for structures with 4 units.
For conventional loans, the ceiling on a single-family residence amounts to $726,200. For homes with 2 units, this increases to $929,850, for 3-units it's $1,123,900, and for those with 4 units, the maximum is $1,396,800.
Utilize our FHA calculator to access today's best FHA rates and ascertain essential details, like required downpayment, income, credit, reserves, and necessary documents for qualification.
With the Lendersa® calculator, you have the ability to compare FHA rates and terms against other available loan programs, such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® quickly compiles extensive loan program data from thousands of lenders to align with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026, located in Florissant county of St. Louis, MO, presents a comparative overview of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification criteria such as income, reserves, and credit, employ 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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