Conventional Vs. FHA Lending requirements Punta-Gorda, FL in 2025

As of 2025, the conventional loan threshold in Punta-Gorda, situated in Charlotte county, FL, is set at $647,200. Meanwhile, the FHA limit for single-family residences is $420,680.

Use the Lendersa® Conventional loan calculator to weigh today’s Conventional, FHA, and USDA rates. This tool also helps determine the income, credit score, reserves, and documents you need to qualify. With our comprehensive calculator, you can view Conventional Conforming, USDA, FHA, and VA loans side by side, assisting you in choosing the best program available in FL for your unique financial needs.

Exploring Conventional and FHA loan choices in Punta-Gorda, FL

Lendersa® aims to secure the most favorable Conventional, USDA, or FHA loan for you quickly and without stress. Begin with any of our three options to connect with appropriate lenders and loan programs.

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

Results of Lendersa USDA loan requests and matching

(978) 453-2734 Lender's profile and map Reviews Lowell Firefighters Credit Union 642 Chelmsford Street, Lowell, MA, 01851 The Lowell Firefighters Credit Union is a member owned and operated financial institution. Our mission is to educate our members and provide a reliable, secure, friendly financial environment, which features benefits and advantages from our financial services, in order to help members gain some measure of personal financial success
(570) 504-0751 Lender's profile and map Reviews A M Mortgage Brokers 132 S. Main Ave, Taylor, PA, 01851 AM Mortgage Brokers Inc, is a family run business, with strong ties to the local community. Our low overhead allows us to out price our competition. We guarantee to offer you better service and more affordable loan programs than the larger mortgage brokerages or banks. Our competitors’ high operating costs.
(781) 245-3890 Lender's profile and map Reviews Wakefield Co-operative Bank 342 Main Street, Wakefield, MA, 01880 Wakefield Co-operative Bank is continually expanding our personal and business banking services, our residential and commercial lending, and our supplementary digital services to better enable our customers to manage their finances. We foresee great opportunity for deposit, lending, and financial services growth and are optimistic.
(781) 246-2009 Lender's profile and map Reviews The Savings Bank 907 Main Street, Wakefield, MA, 01880 The Savings Bank is a community bank founded back in 1869 and is headquartered in Wakefield, Massachusetts in the heart of Middlesex County. TSB offers a complete range of both Commercial and Consumer banking products and has eight full-service branches. Member FDIC, Member DIF, and Equal Housing Lender.
(785) 325-2221 Lender's profile and map Reviews The First National Bank of Washington 101 C Street, Washington, KS, 66968 FNB Washington was originally chartered as a national bank in 1883, the same year the Brooklyn Bridge opened and the year Buffalo Bill Cody debuted his "Wild West Show". We've been around longer than radio, neon lights and crayons, Hershey bars and Duct tape. We were serving customers before Einstein published the Theory of Relativity
(319) 352-1340 Lender's profile and map Reviews First Bank IA 316 E Bremer Ave, Waverly, IA, 50677 At First Bank, our mission and values are behind everything we do. We deliver the financial solutions YOU need! Since 1864 our priority has been to our customers. Our doors are open to serve you and to meet your individual financial needs, you are our customers, but you are also our friends and neighbors.
(978) 459-9000 Lender's profile and map Reviews Enterprise Bank and Trust Company 222 Merrimack Street, Lowell, MA, 01852 Enterprise Bank was founded through the entrepreneurial vision of George L. Duncan in 1988. We are headquartered in Lowell, Massachusetts, with branch locations throughout the Merrimack Valley and North Central regions of Massachusetts, as well as Southern New Hampshire.For over 30 years, Enterprise Bank has been supporting the financial needs of b
(978) 452-1300 Lender's profile and map Reviews The Lowell Five Cent Savings Bank 34 John Street, Lowell, MA, 01852 Locally governed and managed with over 165 years of strength and stability, Lowell Five is a service-oriented community bank providing comprehensive mortgage and loan products in excess of $20 million, extensive deposit and cash management products and services, and investment and insurance products for individuals, businesses, municipalities
(978) 328-5100 Lender's profile and map Reviews Mills42 Federal Credit Union 83 Merrimack Street, Lowell, MA, 01852 We are a small but mighty federal credit union serving Greater Lowell, Massachusetts and surrounding communities. And we’re standing ready to help you achieve your financial goals. Whether it be through sitting down with you to create a budget or working with you to buy your first home, our focus is to help you build from here.