Explore the differences! FHA VS Conventional loan programs in Naples, Collier County, Florida

In 2025, the Conventional loan limit within Naples in the county of Collier, FL is $726,200, and for a single-family home, the FHA limit is $672,750.

Utilize Lendersa® Conventional loan calculator to review today's best rates across Conventional, FHA, and USDA. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program for your specific financial needs in FL.

Compare loan offers from 100 lenders

2025 loan limits and down payment requirements in Naples, county of Collier, FL

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $441,600 0%
FHA $672,750 3.5%

This comparison table applies to the following zip codes: 34103, 34102, 34101, 34105, 34104, 34106

Exploring Conventional and FHA loan choices in Naples, FL

The objective of Lendersa® is to swiftly provide you with the most suitable Conventional, USDA, or FHA loan without complications. Choose from three starting points to connect with matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • First Citizens Bank.
  • 100 West Third St, Luverne, AL, 36049
  • In 1979, a group of local businessmen founded First Citizens Bank with one purpose in mind: to provide a healthy banking environment for local businesses and individuals. The doors first opened on July 8, 1980, operating under a local management and conservative governing philosophy.
  • HH Mortgage LLC
  • 1072 King Street, Suite D-1, Charleston, SC, 29403
  • Our mission is to earn your business by professional marketing, concern for your best interest, and assisting you in understanding and completing the real estate process. Whether you are buying or selling you can count on HH Real Estate and Mortgage to give you a very conscientious market analysis. You can expect constant communication
  • PREFERRED MORTGAGE FINANCIAL
  • 122 S. Congress St., Allendale, SC, 29810
  • Preferred Mortgage Financial 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 straight forward by offering you the latest in financial
  • First Reliance Bank
  • 900 Johnnie Dodds Blvd, Suite 105, Mount Pleasant, SC, 29464
  • At First Reliance Bank, our purpose is to make the lives of our customers BETTER. And it has become a reality. We consistently deliver a level of service that is far superior to other Banks. Since we founded the Bank, a lot of things have changed, both good and bad. But through it all, we’ve clung to our seven values.
  • Keli McClarty Mortgage
  • 159 Civitas Street, Suite 212, Mount Pleasant, SC, 29464
  • We offer the best mortgage tools available on the Internet easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Moultrie Mortgage LLC
  • 1156 Bowman Road, Unit 200, Mount Pleasant, SC, 29464
  • Fred Graham, President at Moultrie Mortgage.After almost two decades on Wall Street, this native North Carolinian was thrilled to return to his Southern roots, close to family & friends,to become an entrepreneur.Fred's experience as a credit analyst,interest rate forecaster & asset manager,covering a wide range of sectors including consumer finance
  • Barley Mortgage LLC
  • 1032 Chuck Dawley Blvd, Suite 101, Mount Pleasant, SC, 29464
  • Our mission at Barley Mortgage is to deliver honest mortgage solutions that you, your family, your friends and our community can depend on for years to come. Our dedicated and knowledgeable staff is committed to helping you understand and guide you through the mortgage process with honesty and integrity.
  • Lowcountry Home Loans LLC
  • 802 Coleman Blvd, Suite 209, Mount Pleasant, SC, 29464
  • Lowcountry Home Loans is an independent mortgage brokerage firm offering custom solutions to meet today's ever-increasing demand for property financing.As a mortgage brokerage firm, we have access to the top banks and lending institutions across the country. We strive to provide a wide variety of loan products.
  • Parker Lending LLC
  • 1156 Bowman Road, Suite 200, Mount Pleasant, SC, 29464
  • Parker Lending company Arthur "Chip" Parker is the owner of the company he here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy When you're ready, the next step in getting a low rate mortgage.
  • PMC MORTGAGE
  • 1041 Johnnie Dodds Boulevard, Suite 15B, Charleston, SC, 29464
  • PMC Mortgage Corporation has been providing home loans for purchase and refinance since 1992. For 29 years, our success has been a result of a simple combination of providing the most competitive terms available along with giving good, professional, honest advice to our clients. We are most appreciative of our loyal client and referral base.
  • Ascend Financial Group
  • 875 Lowcountry Blvd, Suite 209, Mount Pleasant, SC, 29464
  • Ascend Financial Group is a boutique mortgage company excelling in exceptional customer experience, conservative financial values, innovative mortgage technology and enduring client relationships. Our mission is to serve our customers with honesty, integrity and excellence. Our goal is to provide home loans to our clients
  • Lucey Mortgage Corporation
  • 861 Coleman Blvd, Mount Pleasant, SC, 29464
  • Lucey Mortgage Corp is a financial services company based out of 861 Coleman Blvd, Mt Pleasant, South Carolina, United States. Lucey Mortgage Corporation has been locally owned and operated by Lorcan Lucey since 1990. We specialize in FHA, VA, Conventional, and Jumbo loans Whether you're buying your home, refinancing, buying a vacation home