For 2026, if you're looking at FHA loan limits in Lexington county, within Lafayette, MO, they are set at $472,030 for a single-family home. If your property includes two units, the limit is $604,400, and for three units, the limit reaches $730,525. For a four-unit home, the maximum is set at $907,900.
As for conventional loans, the limit for a single-family dwelling is $726,200. For properties with two units, it is $929,850, while three-unit properties have a cap of $1,123,900, and those with four units can reach $1,396,800.
Try our FHA calculator to find the most competitive FHA rates currently available, and learn what down payment, income, credit, reserves, and documentation are required for qualification.
The Lendersa® calculator is a tool that allows easy comparison between FHA rates & terms and those of other programs. You can examine and weigh options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA loans.
With data sourced from thousands of lenders, Lendersa® compares program information swiftly, aligning it with your unique financial circumstances and requirements in real-time.
For 2026, review the Loan Limits Comparison Table in Lexington county, Lafayette, MO. This table helps assess maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate specific qualification needs such as income level, reserves, and credit, utilize the comprehensive 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 | $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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