2026 loan limits in Franklin County, Missouri
In Franklin 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 Franklin 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 Franklin County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Franklin County?
$541,287 for a one-unit home.
More for Franklin County
Franklin County property taxesFHA loan limits toolMissouri closing costsBeaufort 63013 market dataBerger 63014 market dataCatawissa 63015 market dataGerald 63037 market dataGray Summit 63039 market dataGrubville 63041 market dataLabadie 63055 market dataLeslie 63056 market dataLonedell 63060 market dataNew Haven 63068 market data
2026 limits from HUD’s county files (St. Louis, Mo-Il). Conforming limits are set by the Federal Housing Finance Agency.