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

For 2026, the Conventional loan limit in Port-St.-Lucie, situated in the county of St. Lucie, FL, is set at $647,200. Meanwhile, the FHA limit for a single-family home stands at $431,250.

Use the Lendersa® Conventional loan calculator to assess today's best rates among Conventional, FHA, and USDA loans. Identify the necessary income, credit, reserves, and documents needed. Our advanced mortgage calculator lets you examine Conforming Conventional, USDA, FHA, and VA loans side-by-side, helping you choose the best program for your needs in FL.

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2026 Loan Limits and Downpayment Requirements in Port-St.-Lucie, St. Lucie, FL

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

This comparison applies to zip codes: 34986

Loan Options for Conventional and FHA in Port-St.-Lucie, FL

Lendersa® aims to provide you the quickest, hassle-free access to the best Conventional, USDA, or FHA loans. Choose from three pathways to connect with matched lenders and loan programs tailored to meet your needs.

Outcomes of USDA loan requests via Lendersa


  • PeoplesChoice Credit Union
  • 23 Industrial Park Rd, Saco, ME, 04072
  • Founded in 1963, PeoplesChoice Credit Union is a leading Maine credit union proudly serving over 17,000 members and managing $180 million in assets. Membership eligibility includes anyone who lives, works or attends school in York and Cumberland County, and the immediate family of PeoplesChoice members

  • UNITE Credit Union
  • 802 West 29th Street, Cedar Falls, IA, 50613
  • UNITE Credit Union provides financial services to employees, students, alumni and families of the University of Northern Iowa and Cedar Falls Community School District. Members also include employees, retirees and families of MidAmerican Energy, Greco Financial and Nagle Signs. UNITE is federally insured by the National Credit Union Association.

  • Cedar Falls Community Credit Union
  • 123 W 4th Street, Cedar Falls, IA, 50613
  • CFCCU was originally chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union. Membership was extended to other groups of employees over the years until in 1982, CFCCU received a community charter. Our current field of membership includes individuals who live or work in 7 Iowa counties.

  • Northfield Savings Bank
  • 210 College Street, Suite 201, Burlington, VT, 05401
  • Northfield Savings Bank is a local, community bank that provides full-service banking to individuals, families and businesses – from Home Mortgages, Home Equity Loans, Business Loans to Checking Accounts and Online Banking. With 13 branches across Central and Northwest Vermont, we are proud to be the largest bank headquartered in Vermont

  • Asaro Mortgage, LLC
  • 125 Bank Street, Suite 1, Burlington, VT, 05401
  • Asaro Mortgage was established in 2011 in Burlington, Vermont. The owner and broker is James Asaro. He has over 10 years of mortgage experience and hundreds of satisfied customers. James has lived in Burlington since 1996 and is a graduate from both Champlain College and the University of Vermont.

  • SPRUCE MORTGAGE, INC
  • 430 Shelburne Rd, Burlington, VT, 05401
  • Spruce Mortgage, we understand what Vermont Homebuyers want – low mortgage rates, a quick turnaround, and honest advice. We know, because we’re Vermonters, too. Offering complimentary pre-approvals, loan estimates, and rate locks, it is no surprise as to why so many people choose us over our competitors

  • Vermont Mortgage Company
  • 135 College Street, Suite 1, Burlington, VT, 05401
  • Vermont Mortgage Company is a trusted mortgage lending resource for Vermonters, and for soon to be Vermonters! Whether you are a first time home buyer, are buying a new home, are buying an investment property, or are refinancing your current mortgage; Vermont Mortgage Company will help guide you through.

  • Vermont Federal Credit Union
  • 84 Pine Street, Burlington, VT, 05402
  • Vermont Federal Credit Union was founded in 1953 as the Burlington Postal Employees Credit Union. Just a short time later, the Credit Union was renamed to the U.S. Government Employees Credit Union of Chittenden County. Our connection to these roots remains strong as many government employees in Vermont are still loyal members.

  • Wells River Savings Bank
  • 34 Main Street, Wells River, VT, 05081
  • Wells River Savings Bank (WRSB) has been providing personal and business banking products and services to the Upper Connecticut River Valley of Vermont and New Hampshire for more than 119 years. We take great pride in our tradition of friendly, personal service and our strong commitment to the community.

  • Woodsville Guaranty Savings Bank
  • 63 Central Street, Woodsville, NH, 03785
  • Woodsville Guaranty Savings Bank is a locally owned and operated community bank, serving the people, businesses, and communities of northern New Hampshire and northeastern Vermont. The bank has nine North Country offices, located in the communities of Woodsville, Piermont, Lisbon, Littleton, Lancaster, Plymouth, and Franconia, New Hampshire.

  • Thrivent Federal Credit Union
  • PO Box 8920, Appleton, WI, 54912
  • Thrivent Credit Union, the marketing name for Thrivent Federal Credit Union, is a member-owned, not-for-profit financial cooperative with locations in Appleton, WI and Minneapolis, MN, serving members throughout the United States over the phone, digital channels, and shared branches.