For 2026, in Old-Jamestown county within St. Louis, MO, the FHA loan limits are outlined as follows: $356,362 for single-family homes, $456,275 for properties with two units, $551,500 for three-unit structures, and $685,400 for residences featuring four units.
In contrast, the maximum amounts for conventional loans on single-family estates are as follows: $548,250. For homes with two units, the limit reaches $702,000, for three-unit properties it extends to $848,500, and $1,054,500 is set for four-unit buildings.
Make use of our FHA calculator to find today’s competitive FHA rates and calculate essential financial factors such as downpayment, income prerequisites, credit requirements, reserves, and necessary documentation.
The Lendersa® calculator offers a robust comparison of FHA loan rates and terms with those of other loan programs, including Conventional loans, Jumbo options, VA, USDA, Non-QM, and hard money loans.
By capturing loan data from thousands of lenders, Lendersa® quickly aligns this information with your financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Old-Jamestown county, St. Louis, MO, provides detailed insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly assess qualification criteria such as income, reserve levels, and credit, utilize 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 | $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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