For the year 2026, in St.-Ann county within St. Louis, MO, the FHA loan limits are $356,362 for single-family homes, $456,275 for buildings with 2-units, $551,500 for 3-units, and $685,400 for properties with 4-units.
The highest loan amount for conventional loans is $548,250 for a single-family house, $702,000 for two units, $848,500 for three units, and $1,054,500 for a four-unit property.
Utilize our FHA calculator to uncover today's best FHA rates and to assess what down payment, income, credit score, reserves, and documentation are necessary for qualification.
The Lendersa® calculator helps you compare FHA rates and conditions with other loan programs. Explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, in addition to FHA options.
Data from thousands of lenders are analyzed by Lendersa® in seconds to offer comparisons tailored to your personal financial situation and needs.
For 2026 in the county of St.-Ann, St. Louis, MO, the Loan Limits Comparison Table provides maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare requirements like income, reserves, and credit, 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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