As of 2026, the FHA loan limits in Manchester county, St. Louis, MO are: for a single-family home it is $472,030, for two units it is $604,400, for three units it amounts to $730,525, and for four-unit homes, the limit is $907,900.
Similarly, the conventional loan maximum for a single-family residence is $726,200. For two-, three-, and four-unit properties, the limits are $929,850, $1,123,900, and $1,396,800 respectively.
Utilize our FHA calculator to discover today’s optimal FHA rates as you assess necessary factors like downpayment, income, credit scores, reserves, and relevant documentation for qualification.
With the Lendersa® calculator, you can juxtapose FHA rates and terms against a variety of loan programs. Compare options like Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans alongside FHA.
Lendersa® compiles loan program data from a vast number of lenders, instantly comparing it to your specific financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Manchester county, St. Louis, MO allows you to compare the peak loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. To contrast eligibility conditions such as 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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