For 2026, the FHA loan limits in University-City county, situated in St. Louis, MO, are detailed as follows: $356,362 for a single-family property, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
With regard to conventional loans, the highest loan amount for a single-family home is set at $548,250, while for two units it's $702,000, for three units $848,500, and for four units $1,054,500.
Utilize our FHA calculator to discover the most advantageous rates available today. It also helps determine the necessary downpayment, income, credit, reserves, and required documentation for qualification.
The Lendersa® calculator facilitates the comparison of FHA loan rates and conditions with those of various other loan programs. You can compare Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® swiftly gathers loan program details from numerous lenders and evaluates them against your individual financial profile and preferences in moments.
The Loan Limits Comparison Table for 2026 in University-City county, St. Louis, MO enables comparing max loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. For insight into qualification requirements like income, reserves, and credit conditions, 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 |
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