In 2026, the FHA loan limits in O'Fallon county, part of St. Charles, MO, are $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
The top loan limit for conventional loans is $548,250 for single-family homes, with limits of $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Make use of our FHA calculator to discover today’s FHA optimal rates and ascertain the necessary downpayment, income, credit score, reserves, and required documentation for qualification.
The Lendersa® calculator permits you to compare FHA rates and terms against various other loan programs, including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® gathers loan program data from multiple lenders and matches it to your unique financial profile and needs in seconds.
For 2026, see the Loan Limits Comparison Table for O'Fallon county in St. Charles, MO, showing comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans in terms of maximum amounts. To evaluate qualification requirements such as income, reserves, and credit, use 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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