In 2026, the FHA loan limit within St. Lucie county, Fort-Pierce-South, FL, is $381,800 for a single-family home, $488,750 for duplexes, $590,800 for triplexes, and $734,250 for four-unit homes.
The maximum amount for conventional loans is $548,250 for single-family residences, increasing to $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for four-unit buildings.
Utilize our FHA calculator to find today's best rates, and assess the required downpayment, income, credit score, reserves, and documents for qualification.
Compare the FHA rates and terms against other programs using the Lendersa® calculator. Explore and contrast it with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® acquires loan information from a vast network of lenders, quickly evaluating it in line with your financial circumstances.
Refer to the 2026 Loan Limits Comparison Table in Fort-Pierce-South county, St. Lucie, FL for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For detailed qualification criteria like income, reserves, and credit, utilize 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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