As of 2026, the FHA loan limits in Indian-River-Shores county, part of Indian River, FL, are set at $356,362 for single-family homes, $456,275 for properties with two units, $551,500 for three-unit dwellings, and $685,400 for four-unit buildings.
The maximum allowable amounts for conventional loans on a single-family house reach $548,250, with limits of $702,000 for two-unit properties, $848,500 for three-unit homes, and $1,054,500 for four-unit residences.
Utilize our FHA calculator to discover today’s best FHA rates. It aids in determining the down payment needed, checking income, credit score, reserves, and gathering essential documents required to qualify.
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The Lendersa® calculator offers a clear comparison of FHA rates and terms against those from other loan options. Dive into a comprehensive analysis of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan programs, alongside FHA offerings.
Lendersa® seamlessly aggregates loan program data from an extensive range of lenders, swiftly comparing it with your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Indian-River-Shores county, under Indian River, FL, allows a thorough assessment of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. For a deeper analysis of qualifying criteria such as income, required reserves, and credit ratings, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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