St. Louis Jumbo Loans: Financing Above $832,750 in Ladue, Clayton, West County, and the City

Any one-unit loan above $832,750 is jumbo in St. Louis City, St. Louis County, St. Charles County, Jefferson County, and Franklin County, because no Missouri county has a high-cost limit. Two-unit buildings, common in the City, go jumbo above $1,066,250; three-unit above $1,288,800; four-unit above $1,601,750.

Typically 10 percent on strong credit up to about $1 million to $1.5 million at select lenders, 20 percent as the standard, and 25 percent above $2 million, which covers a large share of Ladue, where the median sale price was $1,508,300 for the three months ending July 2026 (Redfin). Physician jumbo programs for BJC, WashU, SLU, and Mercy physicians reach 0 to 10 percent down.

Above the lender's threshold, usually $1.5 million to $2 million, yes; below it one full appraisal with a desk review is typical. In Ladue, Frontenac, Huntleigh, and Clayton, private sales are a large share of the market and do not appear in the MLS, so we assemble the comparable sales before the first appraisal is ordered.

Yes. Physician jumbo programs serve residents, fellows, and attendings at BJC, Washington University, SLU, Mercy, and SSM at 0 to 10 percent down with no PMI, with the employment contract accepted as income and student loans treated favorably. For a new attending buying in Clayton, Ladue, or Creve Coeur it usually beats a standard jumbo at 20 percent down.

Most St. Louis County municipalities and the City of St. Louis require an inspection and an occupancy permit before a buyer moves in; some require repairs first. It is scheduled in processing so a failed inspection does not land in the last week after two appraisals are already paid for.

Within a few hundred thousand of the limit, which covers much of Kirkwood, Webster Groves, Chesterfield, and the Central West End, a $832,750 conforming first plus a second often prices lower overall and keeps a conventional appraisal path. Above roughly $1.1 million, which is most of Ladue, Frontenac, and Town and Country, a single jumbo is cleaner. The calculator on this page lays out both on your numbers and we price both the same day.

Yes, on the value after the work. Renovation jumbo programs underwrite the after-repair value with contractor bids and a draw schedule, and historic-district approvals for exterior changes go into the file. The lender is chosen for its renovation program first; not every jumbo lender offers one.

Sometimes. Dardenne Prairie, Cottleville, and Lake St. Louis builders often tie a closing-cost credit to their preferred lender, and the rate behind the credit is the question. We audit the builder's loan estimate line by line for free and show whether the credit beats a wholesale jumbo quote on the same day.

Most complete files close in 25 to 35 days from contract; two appraisals, a jumbo lender's second review, and a municipal occupancy inspection add time compared with a conforming loan. A soft-pull, underwritten pre-approval with reserves verified before the contract keeps it on the shorter end.