For 2026, in Liberty county located in Clay, MO, the FHA loan limit stands at $472,030 for single-family homes, $604,400 for properties with two units, $730,525 for three-unit residences, and $907,900 for those with four units.
Regarding conventional loans, the highest amount you can borrow on a single-family residence is $726,200. For two-unit buildings, the limit is $929,850; for three units, it's $1,123,900; and for four units, $1,396,800.
Check out our FHA calculator to find today's leading FHA rates and determine what downpayment, income level, credit score, reserves, and documentation are necessary to qualify.
The Lendersa® calculator allows you to evaluate FHA rates and terms alongside those of other loan programs. Delve into comparisons between Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, with FHA options included.
Lendersa® gathers and instantly compares loan program data from thousands of lenders, matching it with your personal financial situation and preferences.
The Loan Limits Comparison Table for 2026 in Liberty county, Clay, MO helps compare the maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To assess qualification needs, such as income, reserves, and credit, leverage 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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