Lending in Treasure Coast
The Treasure Coast (St. Lucie, Martin and Indian River counties, with Okeechobee and Highlands inland) offers more house for the money than South Florida, which has made Port St. Lucie one of the fastest-growing cities in the state. Much of the growth is new construction west of I-95, where CDD assessments add to the monthly payment.
Most common loans here
- FHA and conventional for first-time and relocating buyers
- New-construction financing in Port St. Lucie's master-planned communities
- Down payment assistance, including Florida Hometown Heroes
- Second homes along the Indian River Lagoon
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| St. Lucie County | $603,750 | $832,750 | Port St. Lucie |
| Martin County | $603,750 | $832,750 | - |
| Indian River County | $541,287 | $832,750 | - |
| Okeechobee County | $541,287 | $832,750 | - |
| Highlands County | $541,287 | $832,750 | - |
Limits from HUD and FHFA for 2026. We confirm the current figure before every rate lock.
Loan programs
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.
FAQ
What are the 2026 FHA loan limits in Treasure Coast?
For a one-unit home, 2026 FHA limits in Treasure Coast range from $541,287 to $603,750, depending on the county.
Which counties are in Treasure Coast?
St. Lucie, Martin, Indian River, Okeechobee and Highlands counties.
Can I get a mortgage anywhere in Treasure Coast through FundFL?
Yes. Nick Grisanti is licensed throughout Florida (NMLS #2719729) and shops 100+ wholesale lenders through C2 Financial Corporation.