FHA VS Conventional loan programs in Fort-Pierce, St. Lucie County, Florida

During 2025, the conventional loan ceiling in Fort-Pierce, within the county of St. Lucie, FL, is established at $647,200. Conversely, the FHA limit for a single-family home is set at $431,250.

Leverage the Lendersa® Conventional loan calculator to compare the top rates for today's Conventional against FHA and USDA loans. Determine the necessary income, credit status, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans side by side, helping you select the most suitable program in FL for your financial situation.

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Loan Limits and Down payment Requirements for 2025 in Fort-Pierce, St. Lucie County, FL

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $305,400 0%
FHA $431,250 3.5%

These guidelines apply to the following zip codes: 34949, 34947, 34982, 34981, 34950, 34948, 34954, 34979

Exploring Conventional and FHA Loan Options in Fort-Pierce, FL

Lendersa® is committed to providing you with the best possible Conventional, USDA, or FHA loan swiftly and without stress. Choose from three starting points that will connect you with lenders and suitable loan programs.

Results for Lendersa USDA loan requests and matching


  • Firefighters Community Credit Union | FFCCU
  • 1222 W. Pleasant Valley Rd, Parma, OH, 44134
  • Our mission is to help people live frugally, save smarter and borrow for less. Like all credit unions, FFCCU is a not-for-profit, member-owned financial cooperative. Unlike some other financial institutions, our profits go right back to our members in the form of lower loan rates, higher interest on deposits and fewer, lower fees
  • WYROPE WILLIAMSPORT FEDERAL CREDIT UNION
  • 1536 Riverside Drive, Williamsport, PA, 17702
  • Wyrope Williamsport Federal Credit Union is a not-for-profit financial cooperative that is fully owned and operated by its members. Because of the cooperative, non-profit nature, loan rates are lower, savings rates are higher, and members benefit from the low-cost, convenient services offered.
  • Williamsport Teachers Credit union
  • 302 Matthews Boulevard, Williamsport, PA, 17702
  • Williamsport Teachers Credit Union has been open since 1934. The credit union has assets totaling $13.94 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
  • Ohio Teamsters Credit Union
  • 6100 Rockside Woods Drive, Suite 150, Independence, OH, 44131
  • In 1953, the big expansion took place and the credit union was renamed Cleveland Teamsters Credit Union. Its assets, which had climbed from $2, 666 in 1940 to $352, 000 in 1952, suddenly zoomed to just under $572, 555 in 1953, to nearly a million in 1955. The credit union has since experienced steady growth.
  • Century Federal Credit Union
  • 4600 Rockside Road, Independence, OH, 44131
  • Century Federal Credit Union is a not-for-profit financial cooperative existing to serve its members. Credit unions, like Century Federal, are less likely to charge service fees than banks, that are for-profit institutions. We do not issue stock or pay earnings dividends to outside stockholders like other financial institutions.
  • NLC Loans
  • 4 Summit Park Drive, Suite 200, Independence, OH, 44131
  • NLC Loans support your personal goals and dreams so that you and your family can live the life you want and deserve. Whether you’re buying your first home, your next home, or refinancing, we’ve got your back. NLC Loans is a leading, full-service, residential mortgage lending and mortgage refinance company.
  • Liberty Home Mortgage Corporation
  • 6225 Oak Tree Blvd, Independence, OH, 44131
  • "Liberty Home Mortgage operates with a focus on a very simple goal - to lead the industry in customer satisfaction and to set a new standard by which our industry operates. Liberty Home Mortgage Representatives are available seven days a week. We even have a customer care line which current customers can call to get answers"
  • Unity Catholic Federal Credit Union - Parma
  • 5839 Ridge Road, Cleveland, OH, 44129
  • At Unity we work with you to make your dreams a reality, today. Offering you better rates, personalized services, giving you greater control of your money. We are Federally Insured, so your money is safe. And, we’re part of the Co-Op Shared Branch Network that gives you 6, 000 branches nationwide making credit unions the second largest branch.
  • The Mortgage Professionals LLC
  • 122 East First Street, Wind Gap, PA, 18091
  • A mortgage broker has the ability to tailor a loan program to meet your personal needs. We offer a variety of rates from multiple lenders. Different investors have a need for money or loans at a certain loan term from time to time. One bank may be very aggressive on a 15 year loan today while another is looking for 30 year paper.
  • Alliance Mortgage Finance LLC
  • 900 Oak Tree Road, Suite B, South Plainfield, NJ, 07080
  • As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.