In the current year, 2026, the FHA loan limit for the county of Pevely, situated within Jefferson, MO, is structured as follows: For a single-family home, the limit is set at $472,030. For properties with two units, the limit rises to $604,400. When it comes to buildings with three units, the allowable loan limit reaches $730,525, and for properties comprising four units, the maximum FHA loan permissible is $907,900.
For conventional loans, these limits vary. Specifically, the highest loan amount possible for a single-family residence is $726,200. For a dwelling with two units, the ceiling is placed at $929,850. For those residences accommodating three units, the limit increases to $1,123,900. Lastly, for houses with four units, the maximum allowable loan amount is $1,396,800.
Interested in current FHA rates? Use our comprehensive FHA calculator to check out today’s most competitive rates and effectively ascertain what is necessary for qualification. This includes determining the required downpayment, analyzing necessary income levels, examining credit requirements, assessing reserves, and reviewing needed documentation.
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How does it work? Lendersa® gathers extensive loan program data from several thousands of lenders scattered across the market. This powerful tool then rapidly evaluates this data in real-time, aligning it with your unique financial profile and personalized needs.
The Loan Limits Comparison Table for 2026 specific to Pevely county, within Jefferson, MO, provides a comprehensive comparison involving FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. If you are seeking to delve into qualification criteria including income thresholds, reserve requirements, and credit standards, consider using Lendersa®'s innovative Super Loan Integrated Qualifier (SLIQ™), designed to simplify the complexity of understanding varied financial requirements.
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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