In the year 2026, the FHA loan ceiling in the county of Kirksville, Adair, in the state of MO is $472,030 for a single-family dwelling. For a two-unit property, it stands at $604,400, for three units it's $730,525, and for four units, the limit is $907,900.
As for conventional loans, the maximum amount for a single-family residence is $726,200, with limits of $929,850, $1,123,900, and $1,396,800 applicable to two, three, and four-unit properties, respectively.
Our FHA calculator is here to help you find the best FHA rates available today and see what down payment, income, credit, reserves, and necessary documents you will need to qualify.
The Lendersa® calculator is designed to compare FHA rates and terms with various other loan program rates and terms. You can explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options using this tool.
Lendersa® aggregates loan program information from a multitude of lenders and swiftly assesses it against your individual financial circumstances and needs.
For 2026, check out the Loan Limits Comparison Table in Kirksville county of Adair, MO to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification criteria such as income, reserves, and credit.
| 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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