USDA Vs. FHA Pro and Con comparison in Fort-Pierce-South, St. Lucie County, FL
In 2025, 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.
2025 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.
2701 N. Dallas Parkway, Suite 180, Plano, TX, 75093
Frisco Mortgage Guy because he is an integral member of the Frisco community where he lives and works. As a father of four, Geoffrey understands that for most people, their homes are not only their biggest financial investment but also the most important place to shelter and nurture their families.
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2805 N Dallas Parkway, Suite 120, Plano, TX, 75093
BHome Mortgage is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers. These values are reflected in our actions.
"Spragins Mortgage Group | GW Home Loans is a leader in the mortgage industry. We strive to put every client first in helping you with any of your residential home loan needs.
We have been in the mortgage industry for over 10 years & with our expertise and we are sure we can find you what you need. Thank you for visiting Spragins Mortgage Grou
Independent Financial provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs, as well as busy families. OUR MISSION: Delight our customers with personalized financial solutions, uplift our communities with financial.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
We are committed to help borrowers understand their options for real estate financing and making solid financial decisions. In the past 15 years, we helped tens of thousands of our customers to finance their home with favorable terms and low costs. We offer wide range of programs for all customers
Wildcat Lending is a leading private money lender also known as a hard money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential investment properties. Wildcat Lending offers real estate financing that avoids the time-consuming process and requirements of conventional lenders.
