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

In 2026, the Conventional loan limit in Fort-Pierce-North, within St. Lucie county, FL, is $647,200. Meanwhile, the limit for FHA loans concerning a single-family home stands at $431,250.

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Loan calculator comparison

Utilize the Lendersa® Conventional loan calculator to review and compare today's best rates for Conventional, FHA, and USDA loans. Determine your qualification by evaluating the income, credit, reserves, and necessary documents. Our advanced mortgage calculator presents side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, guiding you in selecting the most suitable program for your financial needs in FL.

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Loan Limits and Down Payment Requirements for 2026 in Fort-Pierce-North, County of St. Lucie, FL

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

This table is relevant for the zip codes: 34947, 34946

Explore Conventional and FHA Loan Options in Fort-Pierce-North, FL

The objective of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan for you quickly and without hassle. Choose one of three starting points to connect with lenders and loan programs that match your needs.

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  2. First, discover top Conventional USDA and FHA rates & terms
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Lendersa USDA loan requests and matching outcomes



  • Somerset Mortgage Corp
  • 1607 Frederica Road, Suite 201, Saint Simons Island, GA, 31522

  • At Somerset, we believe that with the right tools - information, experience, technology and flexibility - getting through the mortgage process can be done smoothly and with confidence. Our knowledgeable, dedicated mortgage specialists are the best in the business, working with you to explore your financing goals and options.

  • Madison County Community Bank
  • 301 E. Base St., Madison, FL, 32341

  • Madison County Community Bank was formed in 1999 by a group of local men and women whose purpose was to bring to our community a bank whose focus was on meeting the banking and financial needs of our local citizens and businesses. Our Board, Management and Staff all live and work in Madison County

  • Southeastern Bank
  • 1010 North Way, Darien, GA, 31305

  • Southeastern Bank, established in 1888, has a long history of serving its customers and communities. From deposit accounts and loans to investments and more, Southeastern Bank has the financial products you need most. Southeastern Bank has 10 locations throughout coastal Georgia and northeast Florida.

  • Ware County School Employees Federal Credit Union
  • 1301 Bailey Street, Waycross, GA, 31501

  • The Ware County School Employees Federal Credit Union was established in 1962. Our field of membership consists of employees and immediate family members of the Ware County Board of Education and Okefenokee RESA.

    The mission of WCSEFCU is to provide the highest quality of financial services and customer service to support the financial needs

  • First Federal Savings and Loan Association of Valdosta
  • 411 N Patterson St, Valdosta, GA, 31601

  • First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.

  • Valdosta Teachers' Federal Credit Union
  • 102 E. Force Street, Valdosta, GA, 31601

  • The Valdosta Teachers' Federal Credit Union was organized in 1958. The first Board of Directors were: Fredeva Ogletree, President; A.W. Basemore, Vice-President; Nan Allen, Treasurer; Walter Harrison, Secretary. Other Directors included: Ms. Willie Dewberry, Hadley McDuffie and Clara Stipe.

  • Georgia Power Valdosta Federal Credit Union
  • 1707 Dow St, Valdosta, GA, 31601

  • Georgia Power Valdosta Federal Credit Union was granted a federal charter in March 1958 to serve the financial needs of the Georgia Power Company employees and their families across the southern tier of the state. It remained a single sponsored occupationally bonded credit union until 1995.

  • Guardian Bank
  • 701 Wildwood Plantation Drive, Valdosta, GA, 31602

  • Our bank was founded in 1997.​ Our founders established a bank based on time-tested methods of sound financial management. The bank they envisioned would serve people like themselves, who enjoy living and working in the unique region of South Georgia. Guardian Bank flourished as it helped people prosper.

  • CBC Bank
  • 3466 North Valdosta Road, Valdosta, GA, 31602

  • We pride ourselves on being a true community bank. Our bankers are your neighbors and your friends-- and we truly understand the needs of our local people. We have, and will continue to be, committed to building relationships with our customers and our community across South Georgia.
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