In 2026, the FHA loan limits for Ladue county in St. Louis, MO are set at $472,030 for single-family residences. For 2-units, it is $604,400; for 3-units, it stands at $730,525; and for 4-units, it reaches $907,900.
The highest loan amount allowed for conventional loans on a single-family home is $726,200. For 2-unit homes, it's $929,850; for 3-units, the limit is $1,123,900; and it caps at $1,396,800 for properties with 4 units.
Use our FHA calculator to find today's best FHA rates and determine the necessary downpayment, income requirements, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator offers a comparison of FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly collects comprehensive loan data from thousands of lenders, aligning it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Ladue county of St. Louis, MO allows comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money max loan amounts. To evaluate qualification criteria like income, reserves, and credit, use 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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