During 2026, the FHA loan limits in St.-Clair county, Franklin, MO, are as follows: $356,362 for a single-family home, $456,275 for two-unit dwellings, $551,500 for properties with three units, and $685,400 for four-unit buildings.
For conventional loans, the maximum allowable amounts include $548,250 for single-family residences, $702,000 for two-unit homes, $848,500 for three-unit properties, and $1,054,500 for four-unit ones.
To explore today’s best FHA rates and determine the specifics of downpayment, income, credit requirements, reserves, and necessary documentation for qualification, use our FHA calculator.
The Lendersa® calculator is designed to help you compare the rates and terms of FHA loans with a wide array of other loan programs. These comparisons can include options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
This platform quickly assimilates loan program data from thousands of lenders, matching it against your unique financial profile and specific needs within seconds.
For 2026, the Loan Limits Comparison Table for St.-Clair county, Franklin, MO helps you compare maximum loan amounts of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualifying factors such as income, reserves, and credit requirements, utilize Lendersa®'s 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 | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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