For 2026, the FHA loan limits in the county of Rolla, Phelps, in MO, are defined as: $472,030 for a single-family home. For properties with two units, it's $604,400; for three-unit residences, it extends to $730,525; and for four units, the maximum is set at $907,900.
Regarding conventional loans, the highest loan amount available for a single-family home is $726,200. For two-unit homes, the cap is $929,850, for properties with three units, it reaches $1,123,900, and for those with four, the upper limit is $1,396,800.
Make use of our FHA calculator to explore today’s optimal FHA rates. It also helps determine the necessary downpayment, income, credit scoring, reserves, and documents required to qualify.
The Lendersa® calculator provides an effective way to compare FHA rates and terms against those of all other lending programs. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, allowing a comprehensive analysis alongside FHA.
Lendersa® rapidly compiles data from a multitude of lenders, utilizing this information to match it against your specific financial profile and particular needs.
Our Loan Limits Comparison Table for 2026 in Rolla county, within Phelps, MO, illustrates a comparison of maximum allowable loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending. To assess qualification conditions such as income requirements, reserves, and credit stipulations, employ 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 | $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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