As of 2026, in Fort-Pierce county of St. Lucie, FL, FHA loan limits are set at $381,800 for a single-family home, $488,750 for two-unit structures, $590,800 for three-unit buildings, and $734,250 for those with four units.
For conventional loans, the highest amount available for a single-family residence is $548,250. This increases to $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Utilize our FHA calculator to view today's most competitive FHA rates and ascertain the requirements for downpayment, income, credit, reserves, and documentation needed to qualify.
With Lendersa®'s calculator, you can contrast FHA rates and terms with those from other lending programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently processes lender data from thousands of sources, comparing it with your financial criteria.
The Loan Limits Comparison Table for 2026 in Fort-Pierce, county of St. Lucie, FL, facilitates comparisons among maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria including income, reserves, and credit, employ Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $381,800 | $488,750 | $590,800 | $734,250 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $305,400 | $305,400 | $305,400 | $305,400 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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