In 2026, the FHA loan limit in Town-and-Country county, St. Louis, MO, is $356,362 for a single-family home, $456,275 for accommodations with 2 units, $551,500 for 3-unit residences, and $685,400 for properties with 4 units.
The maximum loan amounts for conventional loans on singular-family homes are $548,250, with $702,000 for 2-unit homes, $848,500 for 3-unit properties, and $1,054,500 for those with 4-units.
Utilize our FHA calculator to view the best current FHA rates and determine requirements such as down payment, income levels, credit standing, reserves, and necessary documentation to qualify.
With the Lendersa® calculator, you can compare FHA rates and conditions alongside other loan programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison with FHA options.
Lendersa® compiles data from numerous lenders and efficiently matches it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Town-and-Country county of St. Louis, MO, provides insights into varying maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing qualification requirements such as 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 | $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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