As of 2026, in Lakewood-Park, St. Lucie, FL, the FHA loan cap is $381,800 for a single-family home, $488,750 if there are two units, $590,800 for three units, and $734,250 for four units.
For conventional loans, the highest amount for a single-family residence is $548,250, with a limit of $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to see today's most competitive FHA rates and to calculate required downpayment, income, credit score, reserves, and documents for qualification.
With the Lendersa® calculator, you can easily compare FHA rates and terms with those from other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Our service compiles loan data from thousands of lenders and quickly matches it with your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Lakewood-Park, part of St. Lucie, FL, provides a comprehensive look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs 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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