VA Loan Limits in Missouri (2026)
For 2026, the VA county loan limit for most Missouri counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Missouri has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Missouri — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Missouri
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| St. Louis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jackson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Charles County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Greene County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clay County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Louis City County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jefferson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Boone County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jasper County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cass County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Platte County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cole County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Buchanan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Christian County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Newton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Camden County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cape Girardeau County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lincoln County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Taney County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Callaway County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Phelps County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Pettis County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Webster County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Warren County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Missouri's median home price is roughly $250,000. With $0 down and no PMI, an example VA payment near that price is about $1,891/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Missouri
The VA home-loan benefit lets eligible Missouri veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Missouri for 2026?
- With full entitlement, none. For partial entitlement, most Missouri counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Missouri require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.