In 2026, the FHA loan limits in Overland county of St. Louis, MO, stand at $472,030 for a single-family home, rising to $604,400 for two-unit homes, $730,525 for three-unit properties, and $907,900 for four-unit residences.
The ceiling for conventional loans is $726,200 for single-family houses, increasing to $929,850 for two-unit dwellings, $1,123,900 for three units, and maxing out at $1,396,800 for four units.
Use our FHA calculator to discover today’s best FHA rates and to calculate the needed down payment, income, credit, reserves, and documents for eligibility.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles loan data from thousands of lenders quickly matching it to your personal financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Overland county of St. Louis, MO, allows comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Review qualification requirements like income, reserves, and credit with 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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