As of 2026, in Mount-Vernon located in Lawrence county of MO, the FHA loan limit stands at $356,362 for a single-family residence. For properties with 2 units, it's $456,275, for 3-unit homes, the limit is $551,500, and for those with 4 units, it's $685,400.
For conventional loans, the highest loan amount allowed for a single-family home is $548,250, $702,000 if your property has 2 units, $848,500 when there are 3 units, and $1,054,500 for a property comprising 4 units.
Utilize our FHA calculator to check out the current top FHA rates and calculate the downpayment, assess your income, credit requirements, reserves, and necessary documents for eligibility.
The Lendersa® calculator assists you in evaluating FHA rates and terms in comparison to alternative loan program rates and conditions. It covers Conventional loans, Jumbo loans, Va loans, USDA loans, Non-QM, and hard money loans alongside FHA options.
Lendersa® gathers extensive data from numerous lenders and swiftly compares it against your specific financial situation and requirements.
This year, 2026, you can access the Loan Limits Comparison Table for Mount-Vernon, Lawrence county in MO, allowing you to compare maximum permissible loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualifying factors like income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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 | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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