Fannie Mae and Freddie Mac
Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.
Conventional loan limits can be higher than the conforming loan limit in high cost Counties. High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.
Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.
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Missouri Conventional Loan Limits by County
| County | 1 Unit SFR | 2 Unit Duplex | 3 Unit Triplex | 4 Unit Fourplex |
|---|---|---|---|---|
| ADAIR COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ANDREW COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ATCHISON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| AUDRAIN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BARRY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BARTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BATES COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BENTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BOLLINGER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BOONE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BUCHANAN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BUTLER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALDWELL COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CALLAWAY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CAMDEN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CAPE GIRARDEAU COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CARROLL COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CARTER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CASS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CEDAR COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHARITON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHRISTIAN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CLARK COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CLAY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CLINTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COOPER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CRAWFORD COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DADE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DALLAS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DAVIESS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DEKALB COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DENT COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DOUGLAS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DUNKLIN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FRANKLIN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GASCONADE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GENTRY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GREENE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GRUNDY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARRISON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HENRY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HICKORY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOLT COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOWARD COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOWELL COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| IRON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JACKSON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JASPER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JEFFERSON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JOHNSON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KNOX COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LACLEDE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAFAYETTE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LAWRENCE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LEWIS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LINCOLN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LINN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LIVINGSTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MCDONALD COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MACON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MADISON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MARIES COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MARION COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MERCER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MILLER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MISSISSIPPI COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONITEAU COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONROE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONTGOMERY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MORGAN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NEW MADRID COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NEWTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NODAWAY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| OREGON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| OSAGE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| OZARK COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PEMISCOT COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PERRY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PETTIS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PHELPS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PIKE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PLATTE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| POLK COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PULASKI COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PUTNAM COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RALLS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RANDOLPH COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RAY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| REYNOLDS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RIPLEY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ST. CHARLES COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ST. CLAIR COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STE. GENEVIEVE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ST. FRANCOIS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ST. LOUIS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SALINE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SCHUYLER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SCOTLAND COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SCOTT COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SHANNON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SHELBY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STODDARD COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STONE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SULLIVAN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TANEY COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TEXAS COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| VERNON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WARREN COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WASHINGTON COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WAYNE COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WEBSTER COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WORTH COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WRIGHT COUNTY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ST. LOUIS CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |