In 2026, the FHA loan limit in Hutchinson-Island-South, a county within St. Lucie, FL, is $381,800 for a single-family home. For two-unit properties, it is $488,750, for three units $590,800, and for four-unit buildings, the limit is $734,250.
The cap on conventional loans for a single-family residence is $548,250. For homes with two units, the limit is $702,000, for three units it is $848,500, and for four it is $1,054,500.
Our FHA calculator allows you to view the day’s best FHA rates and calculate important factors like downpayment, income, creditworthiness, reserves, and required documentation for qualification.
The Lendersa® calculator empowers you to measure up FHA rates and terms against various other types of loan programs. Delve into comparing Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans to FHA options.
By sourcing data from thousands of lending institutions, Lendersa® efficiently aligns it with your distinct financial profile and necessities.
The Loan Limits Comparison Table for 2026 situated in Hutchinson-Island-South county of St. Lucie, FL, grants you a comprehensive comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans' maximum loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements such as income, reserves, and credit.
| 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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