As of 2026, the FHA loan limit in Smithville county of Clay, MO is set at $472,030 for a single-family home. It is $604,400 for properties with 2 units, $730,525 for 3-unit dwellings, and $907,900 for homes with 4 units.
The maximum limit for conventional loans on a single-family residence stands at $726,200. For 2-unit residences, it is $929,850, $1,123,900 for 3-units, and $1,396,800 for properties with 4 units.
Our FHA calculator can assist you in exploring today's top FHA rates, helping you learn about necessary down payments, income requirements, credit, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates a comparison of FHA rates and terms with those of numerous other loan programs. It allows for an exploration and comparison of various options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® efficiently gathers loan program data from thousands of lenders, assisting in swiftly matching these to your unique financial situation.
The Loan Limits Comparison Table for 2026 in Smithville county, Clay, MO, showcases contrasts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For a detailed view of qualification requirements like income, reserves, and credit, make use of 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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