As of 2026, the FHA loan limits in Oakville county, St. Louis, MO, are $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
For conventional loans, a single-family home has a limit of $726,200, with 2-units at $929,850, 3-units $1,123,900, and 4-units capped at $1,396,800.
Use our FHA calculator to find today’s best FHA rates and determine necessary downpayment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls data from thousands of lenders, performing quick comparisons based on your financial profile and needs.
Check the Loan Limits Comparison Table for 2026 in Oakville county of St. Louis, MO to see how FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans compare on maximum loan amounts. To assess qualification needs like 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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