For 2026, FHA loan limits in St.-Peters county of St. Charles, MO are: $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
The maximum loan amount for conventional loans on a single-family residence is $548,250, while 2-units have a limit of $702,000, 3-units can go up to $848,500, and 4-units have a cap at $1,054,500.
Utilize our FHA calculator to see today’s best FHA rates, calculating necessary downpayment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator enables comparisons of FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® accesses extensive loan data from thousands of lenders and quickly aligns it with your specific financial profile for a detailed comparison.
Refer to the Loan Limits Comparison Table for 2026 in St.-Peters county, St. Charles, MO, providing a side-by-side look at FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To assess qualification needs such as 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 | $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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