FHA VS Conventional loan programs in Fort-Myers-Beach, Lee County, Florida

In 2026, the Conventional loan limit in Fort-Myers-Beach, within Lee county, FL, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Utilize the Lendersa® Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator compares Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding you in deciding on the best program available in FL for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Fort-Myers-Beach, County of Lee, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $315,100 0%
FHA $420,680 3.5%

This comparison table is relevant to the zip codes: 33931, 33932

Conventional and FHA Loan Options in Fort-Myers-Beach, FL

Lendersa® strives to secure the best possible Conventional, USDA, or FHA loan quickly and with minimal hassle. Choose one of three starting points to match with lenders and loan programs suited for your needs.

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  • FIRM Financial LLC
  • 4151 Silvery Way, Suite 307, Atlanta, GA, 30341
  • FIRM Financial LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you

  • OPEN HOME MORTGAGE, INC.
  • 5200 Peachtree Rd, Suite 2104, Atlanta, GA, 30341
  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. Using our online loan application, you can take your time and complete your application whenever it's convenient for you.

  • Mortgage Solutions Network
  • 197 W Crogan St, Lawrenceville, GA, 30046
  • 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.

  • Hard Money Loans Georgia
  • 155 Gwinnett Dr, Suite E, Atlanta, GA, 30046
  • Georgia Private Loans is an Atlanta-based private lending company that focuses on short-term loans secured by real estate. Our clients utilize our loans, often referred to as "bridge" or "hard money" loans and also We offer two significant advantages over banks and other financial institutions: speed and flexibility.

  • AA US Mortgage LLC
  • 2000 Clearview Avenue, Suite 212, Atlanta, GA, 30340
  • AA US Mortgage LLC is a mortgage company headquartered in Atlanta Georgia. We fulfill the purchase and refinance loans need for individuals and businesses. We have built a strong reputation as an outstanding mortgage broker, serving the mortgage needs of individuals, real estate professionals, investors, and builders over the past years.

  • CornerstoneBank
  • 2060 Mount Paran Road NW, Suite 100, Atlanta, GA, 30327
  • CSB, we are passionate about community banking. We’re committed to the relationships we build and the communities we serve. Local. And Proud Of It. is more than our tagline: it’s what drives every interaction with our clients and communities. We offer a full range of banking services designed for businesses

  • CLARITY ONE RICH GROUP LLC
  • 285 W WIEUCA RD NE 4294, ATLANTA, GA, 30342
  • **Unlock Your Financial Potential with CLARITY ONE RICH GROUP LLC**

    **About Us**
    Under expert leadership from Ezekiel Williams, CLARITY ONE RICH GROUP LLC focuses on personalized lending solutions, ensuring transparency and efficiency.

    **Our Commitment**
    We stand out by providing clarity in every transaction, making your financial aspiratio

  • Katz Mortgage Team
  • 800 Johnson Ferry Rd, Atlanta, GA, 30342
  • We are a direct lender and are approved as a seller and servicer by the Federal National Mortgage Association (Fannie Mae) and the Government National Mortgage Association (Ginnie Mae). We operate as a Federal Housing Administration (FHA) Direct Endorsement Lender and a Veterans Administration (VA) authorized underwriter.

  • Commercial Loan Direct
  • 5555 Glenridge Connector 2nd Floor, Atlanta, GA, 30342
  • Commercial Loan Direct (CLD Capital) is a correspondent and an mortgage banker. Commercial Loan Direct has partnered with institutional investors, Fannie Mae, Freddie Mac, FHA, SBA, USDA, life insurance companies, banks and real estate investment trusts to bring you a wide selection of additional financing vehicles.

  • BATES MORTGAGE GROUP LLC.
  • 3200 Highlands Parkway SE, Suite 105, Smyrna, GA, 30082
  • Bates Mortgage Group LLC. is a Correspondent Lender licensed in 23 states that provides residential mortgage & Commercial loans for purchase and refinance. We offer all the familiar home loan programs such as Conventional, FHA, VA, Jumbo & USDA loans along with several specialty type mortgage programs.

  • Xpress Funding LLC
  • 2255 Cumberland Pkwy, Suite O, Atlanta, GA, 30339
  • 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.

  • Southern Mortgage Corp
  • 400 Galleria Parkway, Suite 1500, Atlanta, GA, 30339
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.