In 2026, the FHA loan limit in Northwoods, situated in St. Louis County, MO, is $472,030 for single-family homes, $604,400 for two-unit houses, $730,525 for three-unit residences, and $907,900 for properties with four units.
The highest loan amount allowed for conventional loans on single-family residences is $726,200. It is $929,850 for two-unit properties, $1,123,900 for those with three units, and $1,396,800 for four-unit structures.
Our FHA calculator is available to help you find today's best FHA rates, as well as calculate required downpayments, income, credit requirements, reserves, and necessary documentation for loan qualification.
Utilizing the Lendersa® calculator allows you to compare FHA rates and terms against all other loan program rates and terms. This includes exploring and comparing conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates loan program data from thousands of lenders, allowing quick comparisons to be made against your personalized financial profile and needs.
For 2026 in Northwoods, within St. Louis County, MO, the Loan Limits Comparison Table includes FHA, conventional conforming, jumbo, USDA, VA, Non-QM, super jumbo, reverse mortgage (HECM), and hard money loan maximum amounts. To assess qualification requirements like income, reserves, and credit, make use of 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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