During 2026, the FHA loan limit in Frontenac county within St. Louis, MO, is established at $472,030 for a single-family home. For properties with two distinct units, it stands at $604,400, while three-unit homes have a limit of $730,525. Four-unit properties can access up to $907,900.
For conventional loans, the maximum available for a single-family residence is $726,200. Those with two units can reach $929,850, while households with three units are capped at $1,123,900. For four-unit homes, the top threshold is $1,396,800.
Make use of our comprehensive FHA calculator to discover today's most favorable FHA rates. This tool facilitates the calculation of necessary down payments, scrutinizes income criteria, assesses credit requirements, and identifies vital reserves and documents required to qualify for a loan.
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The Lendersa® calculator is a robust instrument, enabling users to juxtapose FHA loan terms and rates with various other loan programs. These include options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, opening a wide array of financial possibilities.
Lendersa® gathers intricate loan program details from a vast number of lenders, processing this data in seconds to align with your unique financial profile and personal needs.
In the Loan Limits Comparison Table for 2026 applicable to Frontenac county in St. Louis, MO, users can evaluate maximum loan allocations across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilizing the Lendersa® Super Loan Integrated Qualifier (SLIQ™), individuals can compare essential qualification requirements like income brackets, needed reserves, and credit rating standards.
| 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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