2026 loan limits in St. Francois County, Missouri
In St. Francois County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in St. Francois County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in St. Francois County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in St. Francois County?
$541,287 for a one-unit home.
More for St. Francois County
St. Francois County property taxesFHA loan limits toolMissouri closing costsBismarck 63624 market dataBonne Terre 63628 market dataDoe Run 63637 market dataFarmington 63640 market dataFrench Village 63036 market dataLeadwood 63653 market dataPark Hills 63601 market dataValles Mines 63087 market data
2026 limits from HUD’s county files (Farmington, Mo). Conforming limits are set by the Federal Housing Finance Agency.