In the year 2025, the FHA loan limits are specified for properties situated in Louisiana county, which is a part of Pike, MO. The set limit for a single-family home is $472,030. For properties that house two separate units, the limit is extended to $604,400. When it comes to properties composed of three units, the loan limit is increased to $730,525. Lastly, for properties containing four distinct units, the FHA cap reaches $907,900. Understanding these limits is crucial for prospective homeowners as they directly affect the borrowing capacity under FHA loans.
On the other hand, when considering conventional loans, the maximum loan amounts also vary according to the structure type. For single-family residences, the limit is set at $726,200. If the residence consists of two units, the allowable loan limit goes up to $929,850. For those with three units, the limit climbs to $1,123,900, while for four-unit residences, the cap extends to $1,396,800. These boundaries provide guidance to borrowers looking to secure funding through conventional means, aligning with typical borrowing capacities.
To assist future homeowners in navigating the complex landscape of home loans, our FHA calculator is an invaluable resource. By utilizing this calculator, users can access the most advantageous FHA rates that are currently available. Beyond just rates, the calculator helps determine crucial financial details such as the necessary down payment amount, income benchmarks required, credit score prerequisites, reserve funds, and essential documentation needed to secure a viable loan. This holistic tool equips prospective borrowers with the insights needed to comprehensively understand their eligibility and readiness in the home purchasing journey.
The Lendersa® calculator allows a thorough comparison of FHA rates and terms against a vast selection of other loan programs. These programs encompass a wide variety of options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This calculator empowers borrowers to gain a thorough understanding of the broad spectrum of available loan choices, facilitating informed financial decisions that align with their personal goals and needs.
The efficiency of the Lendersa® system comes from drawing on a comprehensive database of loan program data collected from thousands of lenders. This information is processed rapidly to align with your specific financial profile and aspirations, delivering tailored loan comparisons in real-time, thereby expediting the decision-making process.
The Loan Limits Comparison Table for 2025 in Louisiana county located within Pike, MO, provides an extensive analysis of maximum loan amounts permissible across different loan categories. This includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore further, including understanding qualification requirements such as income thresholds, reserve stipulations, and credit assessments, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) offers a detailed assessment platform, supporting borrowers in making educated choices and enhancing their loan application strategies.
| 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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