In the year 2026, the FHA loan limit for a single-family home in St. Louis, MO county, is set at $356,362. The limits extend to $456,275 for two-unit homes, $551,500 for three-unit properties, and $685,400 for four-unit dwellings.
For conventional loans, the highest amount one can borrow for a single-family home is $548,250. This increases to $702,000 for two-unit residences, $848,500 for three-unit places, and $1,054,500 for those with four units.
Our FHA calculator is a practical tool to find the current best FHA rates, as well as to calculate the necessary down payment, required income, credit scores, reserves, and documentation to qualify.
The Lendersa® calculator allows you to evaluate and contrast FHA loan rates and terms alongside those from other loan programs. This includes options like Conventional, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
By collecting loan program data from thousands of lenders, Lendersa® swiftly matches this information to align with your distinct financial profile and preferences.
The Loan Limits Comparison Table for 2026 in St. Louis, MO county facilitates a comparison of maximum amounts for FHA, Traditional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification parameters such as income, reserves, and credit requisites, you can use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| 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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