USDA Vs. FHA Pro and Con comparison in Fort-Pierce-South, St. Lucie County, FL
In 2026, the USDA loan ceiling in Fort-Pierce-South, within St. Lucie County, FL is set at $305,400, whereas the FHA cap for a single-family residence is $381,800.
Utilize the Lendersa® USDA loan calculator to contrast current USDA and FHA premium rates, and evaluate the necessary income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side to determine which option in best suits your financial scenario.
2026 Loan Limits and Down Payment Requirements in Fort-Pierce-South, St. Lucie County, FL
Loan Type
Loan Limit
Down Payment
USDA
$305,400
0%
FHA
$381,800
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Fort-Pierce-South, FL
Lendersa® is committed to helping you access the most favorable USDA or FHA loans promptly and without complications. Choose from three starting points to connect with lenders and suitable USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is exclusively available in rural communities. Unlike FHA loans demanding at least a 3.5% down payment, the USDA mortgage does not require any down payment.
Fall River Pawnbrokers was established in 1995 with our first pawn shop operation opening its doors in Fall River, Massachusetts. For over 24 years we have contributed to serving working families and communities by providing a wide range of financial services for people of all ages and backgrounds.
Mortgage of Texas & Financial LLC was formed in 2011 as a full service residential and small commercial mortgage brokerage company with an emphasis on service, knowledge, and accuracy. The mortgage debacle of 2007 was avoidable yet we are all paying the consequences right now in one fashion or another. Now, more than ever,
The New Horizon Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Formed in 2012, Helping Hands has successfully been renovating neighborhoods and educating people about different homeownership options. We found a recurring problem for our clients – they needed better information about the purchase, refinance, and reverse mortgage loan process.
400 Reservoir Avenue, Suite 1G, Providence, RI, 02907
First Home Mortgage Corporation was founded in 1990 by Dave Waters, CEO. We grew from a handful of employees to a financial institution of 42 offices serving 21 states located in the mid-Atlantic, South and Northeast states. Our entrepreneurial management team, support staff, and industry leading producers.
1846 N Loop 1604 W Acc Rd Suite 205, San Antonio, TX, 78248
South Texas Lending, powered by American Financial Network is the premier home loan choice for Residents of San Antonio! with our attention to detail, promise to close on time and customer service, there is no one in San Antonio that will beat our rates. Stop by for a cup of coffee, or call in for a local lender you can count on.
2915 W Bitters Rd, Suite 102, San Antonio, TX, 78248
Directions Home Loan is a service driven mortgage company Our scope of expertise extends far beyond the average Conventional, FHA, VA, Jumbo, or USDA loan. We specialize in a multitude of federal and state-specific programs as well as Renovation Loans, One-Time Close Construction Loans.
2915 W Bitters Road, Suite 102, San Antonio, TX, 78248
We are Senior Loan Officers with over 45 years of combined service. We are confident that we can offer the services and competitive rates you need. During our years of experience in the mortgage banking industry, we have personally assisted thousands of families with responsible and affordable home financing.
