In the year 2026, the FHA loan limits in St.-John county, St. Louis, MO are set at $356,362 for single-family homes, $456,275 for two-unit properties, $551,500 for three-unit dwellings, and $685,400 for four-unit buildings.
For conventional loans, the maximum permitted amounts are $548,250 for a single-unit, $702,000 for dual-units, $848,500 for tri-units, and $1,054,500 for quad-units.
Our FHA calculator allows you to find today's prime FHA rates while helping to determine necessary downpayments, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator facilitates comparing FHA rates and terms against other loan programs' rates and terms. Delve into and compare options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® collects data from numerous lenders and rapidly aligns it with your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in St.-John, compiled from St. Louis, MO, enables evaluations of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To delve into qualification criteria 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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