For 2026, the FHA loan limits in Kearney county, Clay, MO are $472,030 for a single-family home, $604,400 for a 2-unit home, $730,525 for 3 units, and $907,900 for 4 units.
The maximum conventional loan amounts are $726,200 for a single unit, $929,850 for 2 units, $1,123,900 for 3 units, and $1,396,800 for 4 units.
Utilize our FHA calculator to discover the best FHA rates today and determine necessary downpayment, income, credit, reserves, and documents for eligibility.
Compare FHA rates with those from other loans such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money using Lendersa®.
Lendersa® uses data from many lenders to find the best match for your financial profile quickly.
Look at the 2026 Loan Limits Table in Kearney county of Clay, MO for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and hard money loans. Use Lendersa® SLIQ™ for comparing incomes, reserves, and credit requirements.
| 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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