For the year 2026, the FHA loan limits in St.-James, county of Phelps, MO stand at $356,362 for a single-family house, $456,275 for duplexes, $551,500 for triplexes, and $685,400 for four-unit homes.
Regarding conventional loans, the limit for a single-family property is $548,250, with amounts of $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 when it comes to four-unit residences.
Utilize our FHA calculator to review the best current FHA rates and ascertain the required down payments, income, credit status, reserve levels, and documentation necessary for qualification.
The Lendersa® calculator provides a useful tool to compare FHA rates and terms with those from various other loan programs. Investigate options such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans in conjunction with FHA offerings.
Lendersa® gathers comprehensive loan program data from a multitude of lenders and conducts swift comparisons tailored to your unique financial profile and requirements within seconds.
For 2026 in St.-James county, Phelps, MO, the Loan Limits Comparison Table allows you to contrast maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money categories. Additionally, to compare key qualification criteria such as income, reserves, and credit prerequisites, employ 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 | $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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