USDA and FHA Pro and Con in Port-St.-Lucie, St. Lucie County, FL
For 2026, the USDA loan limit within Port-St.-Lucie, situated in the county of St. Lucie, FL, is established at $305,400. In contrast, the FHA cap for a single-family home is set at $381,800.
Utilize the Lendersa® USDA loan calculator to examine current USDA versus FHA rates and ascertain the necessary income, credit score, reserves, and documentation for eligibility. Our sophisticated mortgage calculator presents a simultaneous view of USDA, FHA, Conforming, and VA loans, aiding you in selecting the most appropriate program for your individual financial scenario in .
Loan Limits and Down Payment Needs for 2026 in Port-St.-Lucie, FL, St. Lucie County
Loan Type
Loan Limit
Down Payment
USDA
$305,400
0%
FHA
$381,800
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Port-St.-Lucie, FL
At Lendersa®, our mission is to secure for you the most advantageous USDA or FHA loan quickly and smoothly. Choose one of the three initiation points that lead to finding compatible lenders and suitable USDA loan programs.
The USDA home loan, supported by the government's Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is specifically available for rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment at all.
3861 Ambassador Caffery Parkway, Suite 100, Lafayette, LA, 70503
US CapitalGroup Mortgage is a Veteran owned and Operated company based out of Lafayette, Louisiana. We are a client focused business bringing the best in mortgage products available at the lowest rates! Founded in Lafayette, Louisiana, US CapitalGroup Mortgage is a full service Mortgage brokerage.
128 Demanade Boulevard, Suite 306, Lafatette, LA, 70503
Our mission is to be the home financing partner that you trust to serve your family, friends, and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. If you find yourself lost in the home buying process, no worries, “we know the way to get you HOME.
5750 Johnston Street, Suite 102, Lafayette, LA, 70503
Universal Lending is one of the most experienced mortgage companies in the area, with over 96 years combined experience throughout our team. Serving the state of Louisiana, we have the resources necessary to close loans quickly and efficiently. Among those resources are our relationships with local, regional, national lenders, and investors.
3639 Ambassador Caffery Pkwy, Suite 420, Lafayette, LA, 70503
Prestige Mortgage of Louisiana LLC. is committed to providing our clients with the highest quality financial services combined with the lowest costs and rates available in the area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically.
3639 Ambassador Caffery, Suite 302, Lafayette, LA, 70503
Our staff of mortgage professionals will give you the personal attention you deserve and treat you with the respect due to a valued customer. We understand you’re making a commitment in buying a new home or refinancing your current home. So, in turn, we will also make a commitment to you. We will help you qualify, apply
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
InterTrust Mortgage, L.L.C. is a full service, licensed mortgage broker. It is our commitment to offer only the highest quality professional service to our clients, Realtors and associates in related fields. Over the years, we have built a reputation of offering honest, ethical, and thorough service to our clients.
United Citizens Bank, customer service is our first priority. Our friendly, knowledgeable staff will stop at nothing to provide you with courteous service and a great banking experience and also UCB was founded on the solid banking principles of providing the products and services needed by the people and businesses in our communities and providing
Bank of Columbia has been serving the community of Adair County since 1866. Our commitment has not changed since the beginning–We want to see our businesses grow and our citizens thrive. We care about the success of our families, farms, local businesses and growing industries because your success is our success.
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
Partners Financial Federal Credit Union began as Richmond Federal Employees’ Federal Credit Union (later changed to Richmond Federal Credit Union) on May 23, 1958. At the time, membership was limited to employees of the U.S. Government who worked in or who were headquartered in Richmond.
