USDA Vs. FHA your options comparison in Fort-Pierce-South, St. Lucie County, FL

In 2025, USDA loan limit in Fort-Pierce-South, county of St. Lucie, FL is $305,400 while FHA limit is $381,800 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Fort-Pierce-South, county of St. Lucie, 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®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Service First Mortgage
  • 6800 Weiskopf Avenue, McKinney, TX, 75070
  • Service First Mortgage I provide clients with "Service Beyond Your Expectations My clients enjoy the added benefits of receiving my Home Buyers Privileges program and Preferred Buyer Status. My dedication to serving my clients best interest affords me the gratification of knowing I will always have clients and friends for life.
  • USA Mortgage Pros
  • 2150 S. Central Expressway, Suite 310, McKinney, TX, 75070
  • "Welcome to The CORE Team USA Mortgage - McKinney TX Our Team of dedicated mortgage professionals have one goal - to provide a superior customer service experience while properly matching our clients with the best home loan product available in the marketplace to assist them with their dream of home ownership."
  • Competitive Home Lending
  • 5900 S Lake Forest Dr, Suite 300, McKinney, TX, 75070
  • Competitive Home Lending keeps operating costs at a minimum to provide you with low mortgage rates from the best mortgage companies in the nation. We partner with the top mortgage banks and offer the same mortgage products but at a competitive,wholesale rate.To provide quality mortgage products at a competitive price and exceed client expectation
  • Global Integrity Finance LLC
  • 321 N Central Expy Ste 360, McKinney, TX, 75070
  • At Global Integrity Finance we take pride in the fact that we’re a nationally recognized commercial finance company dedicated to providing our clients with the very best of results. Our business lending experts are proud to be paving the way forward in various areas of commercial financing, including: Hard money Loans Fix-N-Flip Financing Inve
  • North Dallas Bank & Trust Co.
  • 12900 Preston Road, Dallas, TX, 75230
  • We offer a full range of modern lending services, deposit products and wealth management services that can be tailored to meet virtually any need. With a history of consistent profitability, stable ownership and commitment to our communities, NDBT is proud to be recognized as one of DFW’s largest and most respected independent banks.
  • American Mortgage Advisers, Inc
  • 5310 Harvest Hill Rd, Suite 211, Dallas, TX, 75230
  • American Mortgage Advisers, Inc team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.
  • First State Bank of Odem
  • 201 Main Street, Odem, TX, 78370
  • First State Bank of Odem was established in 1945, by a group of local business men. For the last 75 years we have been serving San Patricio and Northwest Nueces County with "Home Town Banking". First State Bank of Odem is a Locally Owned Independent Community Bank, committed to providing our customer with High Quality, Friendly Customer Service.
  • Farmers State Bank & Trust Company
  • 127-129 W. Main St., Mount Sterling, IL, 62353
  • We are the only locally-owned bank in Brown County, IL. With our focus on community for over 100 years, we have always aimed to provide our customers with the tools you need to thrive. Recognizing that agriculture is the primary industry of Brown County, the policy of Farmers State Bank & Trust Co