USDA VS FHA in Indian-River-Estates, St. Lucie County, FL

In 2025, the USDA loan limit for Indian-River-Estates in St. Lucie county, FL, is set at $305,400, while the FHA maximum is $381,800 for a single-family home.

To compare the current USDA and FHA best rates, use the Lendersa® USDA loan calculator. It will help identify the income, credit, reserves, and document requirements needed for qualification. Our advanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA programs, making it easier to decide which one suits your financial situation best in .

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2025 Loan Limits and Down Payment Requirements in Indian-River-Estates, 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 Indian-River-Estates, FL

The aim of Lendersa® is to quickly secure the most suitable USDA or FHA loans. You can begin by choosing one of three starting points to connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in FL

A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is limited to rural areas. In contrast to FHA loans requiring a minimum 3.5% down payment, USDA mortgages require no down payment.

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



  • Neighborhood Finance Corporation
  • 1912 6th Ave, Des Moines, IA, 50314
  • NFC provides unique lending programs & other services to facilitate neighborhood revitalization in Polk County & Cedar Rapids, Iowa through partnerships with residents, governments, community-based organizations, lending institutions & the business community. To date, NFC has provided more than $250, 000, 000 in loans and grants in its lending area
  • First National Bank in Creston
  • 101 W Adams Street, Creston, IA, 50801
  • First National Bank is a $382 million community bank that offers a full line of business, agricultural, mortgage, consumer deposit and lending services as well as wealth management services. First National Bank has offices located in Creston, Afton and Shenandoah. Visit www.fnbc.bank/about/locations to find a location near you! Member FIC.
  • Alden State Bank
  • PO Box 39, Alden, MI, 49612
  • The history of Alden State Bank began in 1906 when the Farmers & Merchants Bank was organized as a privately held unincorporated bank. The bank was located in the East half of Higgins Store in downtown Alden. In 1924 the bank moved down the street to a building on Torch Lake near the boat launch.
  • Farmers Savings Bank
  • 205 West Main Street, Marshalltown, IA, 50158
  • Farmers Saving Bank was founded in 1894 in Beaman, Iowa, and was first known as “The Beaman Bank.” The bank was organized under a state charter as Farmers Savings Bank in 1908 and the Marshalltown locations were opened in 2000. We are owned by shareholders whose roots are right here in this area.
  • Lennox Employees Credit Union
  • 1004 E Main Street, Marshalltown, IA, 50158
  • Our mission shall be to offer financial services to Lennox Employees, their families, and Select Employee Groups and their families who are credit union members. We will accomplish this by offering on a financially sound, perpetual basis, affordable borrowing and savings opportunities, striving to offer the lowest possible rates on loans.
  • United Bank & Trust National Association
  • 2101 S. Center St, Marshalltown, IA, 50158
  • United Bank & Trust was chartered in 2002 and opened its' doors for business on June 29, 2002. The bank started with only 8 employees, and has grown over the years with the addition of several employees and the opening of our downtown location in 2006. Our independent Board of Directors is comprised of businessmen and women that live and work in ou
  • Pinnacle Bank Iowa
  • 2206 South Center Street, Marshalltown, IA, 50158
  • Pinnacle Bank was first chartered in 1927 in Tama, Iowa, as Tama State Bank. In 1996 the charter was moved to Marshalltown, Iowa. A new main office was then built in Marshalltown in 2005 at 2206 South Center Street. This facility was built to accommodate future growth and to allow for in-house processing and servicing.
  • Home Federal
  • 303 West Main Street, Marshalltown, IA, 50158
  • At Home Federal Savings Bank we are deeply invested in our communities with locations across southeastern Minnesota including Rochester, Austin, Albert Lea, Kasson, La Crescent, Winona, and Spring Valley. In the Twin Cities metro we have a branch in Eagan. Home Federal also has a presence in Iowa with a location in Marshalltown.
  • MEMBERS1st Community Credit Union
  • 910 South 12th Avenue, Marshalltown, IA, 50158
  • Members 1st Community Credit Union is located in Marshalltown, IA, United States and is part of the Depository Credit Intermediation Industry. Members 1st Community Credit Union has 4 employees at this location. There are 7 companies in the Members 1st Community Credit Union corporate family.
  • kstate CREDIT UNION (West Branch)
  • 601 McCall Rd, Manhattan, KS, 66502
  • At 9:00 P.M. on January 28th, 1946, our credit union was chartered as Manhattan CO-OP Credit Union and held its first monthly meeting of the Board of Directors. In an effort of helping even more Manhattan citizens, the credit union was moved to the university. The credit union changed its name to College Credit Union.
  • Community First National Bank
  • 215 S. Seth Child Road, Manhattan, KS, 66502
  • Community First National Bank was newly chartered on February 1, 2001 in response to the ownership change of several locally owned banks in the Manhattan market. We spent a great deal of time and put much thought into choosing our Community First name because it represents what we are all about; Community in the sense.