In 2026, the FHA loan limits for Gladstone county, part of Clay in MO, have been established as follows: for a single-family home, the limit is $472,030; for duplexes, it's $604,400; triplex owners can take advantage of $730,525; and finally, four-unit properties have a maximum of $907,900.
Conventional loans, on the other hand, allow maximum amounts of $726,200 for single-family homes, $929,850 for two-unit properties, $1,123,900 for three units, and $1,396,800 for homes with four units.
Utilize our FHA calculator to discover today’s top FHA interest rates and assess the necessary downpayment, income requirements, credit score, reserves, and the full range of documentation required for eligibility.
The Lendersa® calculator enables you to compare FHA loan rates and terms with those of every other available loan program. Consider and contrast options ranging from Conventional loans, Jumbo loans, VA, USDA, Non-QM, to hard money loans, all within the context of FHA offerings.
Our Lendersa® platform gathers comprehensive loan program data from thousands of lenders and swiftly matches it against your personal financial picture and specific needs, providing you with tailored comparisons in seconds.
In the 2026 Loan Limits Comparison Table for Gladstone county, Clay, MO, you can compare loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deep dive into qualification requirements like income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is available to provide detailed guidance.
| 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 | $345,000 | $345,000 | $345,000 | $345,000 |
| 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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