In the year 2025, the FHA loan limits in St.-Louis county of St. Louis, MO, are set at $356,362 for a single-family home. For a property with 2 units, the limit is $456,275; for 3-unit homes, it is $551,500; and for 4-unit structures, the amount reaches $685,400.
Regarding conventional loans, the maximum amount for a single-family residence is $548,250. For properties with 2 units, it is $702,000; for 3 units, the limit is $848,500; and for 4-unit buildings, the top amount is $1,054,500.
Make use of our FHA calculator to see today’s best FHA rates and calculate the necessary downpayment, income, credit requirements, reserves, and documents needed to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms to those from an array of other loan programs. Evaluate options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Drawing from data supplied by thousands of lenders, Lendersa® quickly aligns this information with your distinct financial profile and needs.
Consult the Loan Limits Comparison Table for 2025 in St.-Louis county of St. Louis, MO. This table compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs like income, reserves, and credit, utilize 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
