In 2026, FHA loan limits within Cape-Coral county of Lee, FL are established as follows: $356,362 is the limit for a single-family home, $456,275 applies to two-unit properties, increasing to $551,500 for three-unit structures, and reaching $685,400 for properties with four units.
For conventional loans, the maximum loan amount allowable for a single-family residence is $548,250. For two-unit dwellings, it is $702,000, for three units it's $848,500, and four-unit homes reach up to $1,054,500.
Utilize our FHA calculator to view the best FHA rates available today, and determine required down payment, income, credit status, reserves, and documentation needed to qualify.
The Lendersa® calculator provides a comprehensive way to compare FHA rates and terms with other loan programs. Consider conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, evaluated against FHA.
Lendersa® collects extensive data from thousands of lenders, offering rapid comparisons tailored to fit your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cape-Coral county of Lee, FL gives an overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification needs such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $315,100 | $315,100 | $315,100 | $315,100 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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