In 2026, the FHA loan limit in St.-Joseph county, located in Buchanan, MO, is $356,362 for a single-family home. For properties with 2 units, it is $456,275; for 3 units, the limit is $551,500; and for 4-unit buildings, it is set at $685,400.
As for conventional loans, the cap for a single-family residence is $548,250. For 2-units, the limit is $702,000, for 3-units it is $848,500, and for those with 4-units, it is $1,054,500.
Our FHA calculator lets you check today's top FHA rates and determine necessary downpayment, income, credit score, reserves, and documents needed to qualify.
The Lendersa® calculator empowers you to contrast FHA rates and terms with all other loan programs available, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers detailed loan program data from thousands of lenders, providing swift comparisons based on your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in St.-Joseph county of Buchanan, MO, offers comparisons of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification requirements like income, reserves, and credit.
| 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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