In 2026, FHA loan limits in Indian-River-Estates county of St. Lucie, FL, are $381,800 for a single-family home, $488,750 for 2-units, $590,800 for 3-units, and $734,250 for 4-units.
The maximum conventional loan amounts for a single-family residence are $548,250, with $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to explore today’s best FHA rates and calculate the required downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with other loan programs. Evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA versions.
Lendersa® rapidly gathers loan data from thousands of lenders, comparing it against your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Indian-River-Estates county, St. Lucie, FL, highlights maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications 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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