In 2026, the FHA loan limits established for Port-St.-Lucie county within St. Lucie, FL are as follows: for a single-family home, the cap is $381,800; for two-unit properties, it is $488,750; for three-unit homes, the maximum extends to $590,800, and for four-unit buildings, the limit is $734,250.
The highest loan amount permissible for conventional loans on single-family dwellings stands at $548,250. For two units, the upper limit is $702,000, for three units, it's $848,500, and for four-unit residences, it rises to $1,054,500.
Use our FHA calculator to access today's top FHA rates and ascertain the required down payment, income, credit standing, reserves, and necessary documents to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms against those of other loan programs. This includes options such as conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, offering a comprehensive comparison.
Lendersa® efficiently pulls data from thousands of lenders, providing rapid comparison based on your unique financial profile and requirements.
Our Loan Limits Comparison Table for 2026 in Port-St.-Lucie county of St. Lucie, FL facilitates comparison among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To review qualification criteria like income, reserves, and credit rating, utilize the 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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