For 2026, the FHA loan limits in Pleasant-Valley county of Clay, MO are structured as follows: $389,850 for a single-family home, $499,050 for properties with two units, $603,250 for those with three units, and $749,700 for four-unit buildings.
The maximum conventional loan amount for a single-family residence is $548,250. For homes with two units, it is $702,000, for three units it is $848,500, and for properties with four units, it tops at $1,054,500.
Use our FHA calculator to view today’s top FHA rates and determine necessary down payments, assess income requirements, credit qualifications, reserves, and required documentation for loan eligibility.
The Lendersa® calculator allows for comprehensive comparison of FHA rates and terms against those of other loan programs including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently utilizes data from thousands of lenders and provides a comparison tailored to your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Pleasant-Valley county of Clay, MO offers a side-by-side evaluation of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to further compare qualification guidelines for income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $389,850 | $499,050 | $603,250 | $749,700 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $311,800 | $311,800 | $311,800 | $311,800 |
| 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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