As of 2025, in the county of Kirkwood within St. Louis, MO, the FHA stipulates loan limits at $472,030 for single-family homes. For two-unit dwellings, it is set at $604,400; for those with three units, it stands at $730,525, and for four-unit properties, the limit is $907,900.
For conventional loans, the ceiling is $726,200 on a single-family home. The maximum amount for homes with two units is $929,850, for three units it reaches $1,123,900, and extends to $1,396,800 for properties with four units.
Our FHA calculator is available to identify today's top FHA rates and helps you assess the necessary downpayment, income thresholds, credit score, reserve requirements, and relevant documentation needed for application eligibility.
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The Lendersa® calculator allows in-depth comparisons of FHA loan rates and terms against a broad spectrum of other loan products. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM loans, and hard money loans, each analyzed alongside FHA options for comprehensive understanding.
By gathering extensive data from a multitude of lenders, Lendersa® enables quick and efficient comparisons tailored to your personal financial situation and specific needs. It uses this data to match you with the most suitable loan products.
Compare max loan amounts through our 2025 Loan Limits Comparison Table within Kirkwood county of St. Louis, MO. It features FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan options. For deeper insights into qualification metrics including income, reserve levels, and credit score requirements, employ 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 | $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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