FHA VS Conventional loan programs in 2025 for Marco-Island, Collier County, Florida

For 2025, the conventional loan limit in Marco-Island, Collier county, FL, is $647,200, while the limit for an FHA single-family home is $552,000.

Use Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. Determine the needed income, credit score, reserves, and required documentation for qualification. Our advanced calculator provides side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, guiding you in selecting the best program in FL for your financial situation.

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2025 Loan Limits & Down Payment Requirements in Marco-Island, Collier, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $368,000 0%
FHA $552,000 3.5%

This applies to zip codes: 34145, 34140, 34146

Available Conventional and FHA Loan Options in Marco-Island, FL

Lendersa® aims to quickly secure the best available Conventional, USDA, or FHA loans without hassle. Choose one of the three starting points to connect with appropriate lenders and loan programs.

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  • Allstate Mortgage Loans
  • 809 NE 25th Ave, Ocala, FL, 34470
  • Allstate Mortgage of Florida strives to ensure that its services are accessible to people with disabilities. Allstate Mortgage of Florida has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,
  • Coastal Lending Services Inc
  • 3624 South Atlantic Avenue, Daytona Beach, FL, 32118
  • At Coastal Lending Services, Inc., 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. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism,
  • Calculator Mortgage LLC
  • 345 Putnam Avenue, Ormond Beach, FL, 32174
  • 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.
  • Ormond Mortgage Group
  • 555 W Granada Blvd, Suite A4, Ormond Beach, FL, 32174
  • We are a private mortgage company specializing in non-qualifying hard money loans to real estate investors in the State of Florida for rehab/flip properties, rental property and cash-out refinances for investment properties. We offer several loan programs that will certainly meet your needs. We offer zero upfront fees until your loan is approved.
  • Churchill Mortgage Corporation
  • 712 S Ocean Shore Blvd #206, Flagler Beach, FL, 32136
  • Churchill Mortgage is a full-service and financially sound leader in the mortgage industry. We love working with real estate agents, buyers and sellers. The Churchill Mortgage team wants to help you plan a smarter mortgage plan, specifically designed to help you meet your unique needs now and into the future.
  • American Home Mortgage Group
  • 408 S. Central Ave, Flagler Beach, FL, 32136
  • American Home Mortgage Group is a trusted mortgage source in Flagler Beach, Florida since 2003. In today’s changing real estate market, it is more important now than ever to have a trusted mortgage consultant. Our team has the knowledge to analyze each individual’s goals and objectives and tailor the best mortgage solution to meet those needs.
  • Palm Coast Reverse Mortgages
  • 800 Belle Terre Pkwy, Suite 200-117, Palm Coast, FL, 32164
  • We are located in beautiful Palm Coast, FL & if you are considering a reverse mortgage, We would be more than happy to visit with you in the privacy of your home & provide you with a free, no obligation, consultation. You will learn about how the process works, the various strategies available & have the opportunity to address all of your questions
  • CRS Group Mortgage Co
  • 22 Riviera Estates Drive, Palm Coast, FL, 32164
  • Cedric Stubbs committed to easing your concerns and addressing all of your mortgage needs. I provide personalized guidance and direction regarding a variety of financing options, empowering you with the knowledge and resources you need. Get in touch today to start making smarter choices regarding mortgages.
  • Community Mortgage Solutions
  • 1030 Palm Coast Parkway, Suite 3, Palm Coast, FL, 32137
  • Community Mortgage Solutions is a small family owned business located in Palm Coast, Florida. We are the longest operating mortgage company in our area. We specialize in residential financing throughout the state of Florida and Community Mortgage Solutions consists of real people helping other real people accomplish their home ownership dreams.
  • Florida Mortgage Brokerage Inc
  • 30 Ocean Dune Circle, Palm Coast, FL, 32137
  • Florida Mortgage Brokerage Inc, where Adam Klayman and his team specialize in residential mortgages in Jacksonville Florida and surrounding area. At Florida Mortgage Brokerage Inc, we will find a loan that fits each borrower. Our consultants know what it takes to get through underwriting quickly.
  • Capstone Mortgage LLC
  • 31 Lupi Ct, Suite 120, Palm Coast, FL, 32137
  • Families, singles, veterans, retirees, first-time or repeat buyers – no matter who we serve, our #1 goal is to bring a personal approach to the home financing process. We understand that mortgages are much more than just rates and terms. Kris Wiltfong CEO and President of Capstone Mortgage, LLC
  • Pillar Mortgage LLC
  • 25 Old Kings Road North, Suite 3A, Palm Coast, FL, 32137
  • "At Pillar Mortgage we pride ourselves in having mortgage loan programs for everyone: from low risk buyers to those with less than perfect credit. Our highly trained loan officers work closely with realtors and their perspective buyers in making the loan process a positive experience for all parties, from start to finish."