During 2026, the FHA loan limits set for Richmond county in Ray, MO are as follows: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four-unit dwellings.
For conventional loans, the maximum amounts are fixed at $726,200 for a single-family residence, $929,850 for two-unit homes, $1,123,900 for three-unit structures, and $1,396,800 for those with four units.
Use our FHA calculator to discover the top FHA rates available today and calculate the required downpayment, income levels, credit qualifications, reserves, and documentation for approval.
With the Lendersa® calculator, you can evaluate FHA rates and terms alongside those from other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers comprehensive loan data from thousands of lenders and swiftly aligns it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Richmond county, Ray, MO lets you examine maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. For insight into qualification requirements such as income, reserves, and credit, use 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 | $345,000 | $345,000 | $345,000 | $345,000 |
| 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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