2026 loan limits in Buchanan County, Missouri
In Buchanan 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 Buchanan 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 Buchanan County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Buchanan County?
$541,287 for a one-unit home.
More for Buchanan County
Buchanan County property taxesFHA loan limits toolMissouri closing costsAgency 64401 market dataDe Kalb 64440 market dataEaston 64443 market dataFaucett 64448 market dataRushville 64484 market dataSaint Joseph 64501 market dataSaint Joseph 64503 market dataSaint Joseph 64504 market dataSaint Joseph 64506 market dataSaint Joseph 64507 market data
2026 limits from HUD’s county files (St. Joseph, Mo-Ks). Conforming limits are set by the Federal Housing Finance Agency.