For the year 2026 in St.-James-City, situated in Lee county, FL, the upper limit for a Conventional loan is set at $647,200. In comparison, the FHA loan cap for a single-family dwelling is $420,680.
With the Lendersa® Conventional loan calculator, compare current Conventional, FHA, and USDA rates to figure out the income required, necessary credit, and the documents to qualify. This advanced mortgage calculator lets you view FHA, Conforming Conventional loans, VA, and USDA rates side-by-side, aiding you in selecting the ideal program in FL for your financial situation.
Review loan offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $647,200 | 3% |
| USDA | $315,100 | 0% |
| FHA | $420,680 | 3.5% |
This comparison applies to zip codes: 33956
At Lendersa®, our objective is to help you quickly secure the most suitable Conventional, USDA, or FHA loan with minimal hassle. Begin with one of our three options to find matching lenders and loan solutions.
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