In 2025, FHA loan limits in the county of Jefferson, located in Herculaneum, MO, are as follows: $472,030 for single-family homes, $604,400 for two-unit homes, $730,525 for three-unit properties, and $907,900 for four-unit buildings.
Conventional loan caps for a single-family residence are set at $726,200. For two-unit homes, the maximum loan amount is $929,850; three-unit properties have a limit of $1,123,900, and four-unit homes are limited to $1,396,800.
Use our FHA calculator to access today's favorable FHA rates, and to determine the required downpayment, acceptable income, credit benchmarks, reserves, and necessary documents for qualification.
The Lendersa® calculator assists you in contrasting FHA rates and terms with those of various other loan programs. These include conventional, jumbo, USDA, VA, Non-QM, and hard money loans, allowing for thorough exploration and comparison.
Lendersa® rapidly collects loan program information from a wide range of lenders. It then matches this information to your distinct financial profile and needs, performing comparisons in mere seconds.
For the year 2025, the Loan Limits Comparison Table for the county of Jefferson in Herculaneum, MO, includes maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To examine qualification requirements such as income, reserves, and credit, 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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