Throughout 2026, the FHA loan limits specific to Maryland-Heights county, which belongs to St. Louis in the state of MO, have been set at $356,362 for single-family homes. If you're looking into properties with two units, the limit is $456,275. For configurations with three units, it is increased to $551,500, and for those featuring four units, the limit expands further to $685,400.
Switching perspectives to conventional loans, the maximum allowable amount on a single-family residence is established at $548,250. When dealing with properties comprised of two units, the ceiling is set to $702,000; for three-unit properties, the maximum stands at $848,500, and for those with four units, borrowers can access up to $1,054,500.
For those interested in FHA loans, our calculator is a handy tool to reveal today’s optimal FHA rates, helping you to meticulously determine what is required in terms of downpayment, income criteria, necessary credit score, reserves, and ensure you have all the documentation needed for eligibility.
Take advantage of the opportunity to compare loan offers from a network of 100 lenders.
The Lendersa® calculator empowers users to perform detailed comparisons between FHA rates and terms and those applicable to all other available loan programs. This broad range includes options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, making FHA loans one of many possibilities.
By leveraging data from thousands of lenders, Lendersa® instantly aligns your financial profile with the most suitable loan options, delivering comparative insights tailored to your needs and preferences.
Our Loan Limits Comparison Table for 2026 in Maryland-Heights county of St. Louis, MO, provides a comprehensive look into the various maximum loan amounts possible under different loan types, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualification parameters such as income, reserves, and credit, we recommend using the Lendersa® Super Loan Integrated Qualifier (SLIQ™), designed to provide in-depth analytical insights.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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