In 2026, the FHA loan limits in Wildwood county, part of St. Louis, MO, are established as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three-unit residences, and $907,900 for four-unit dwellings.
For conventional loans, the maximum amount available for a single-family home is $726,200. Two-unit buildings can receive up to $929,850, properties with three units can secure $1,123,900, and those with four units are capped at $1,396,800.
Use our FHA calculator to find today's most favorable FHA rates and understand the necessary down payment, income levels, credit requirements, reserves, and documentation needed for eligibility.
The Lendersa® calculator enables the comparison of FHA rates and terms with a variety of other loan programs. Delve into options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA offerings.
Drawing on data from thousands of lenders, Lendersa® provides rapid assessments aligned with your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Wildwood county, St. Louis, MO, offers a thorough view of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to explore qualification needs like income, reserves, and credit standards.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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