During 2026, the FHA loan limit in Fort-Myers county, part of Lee, FL, is set at $356,362 for a single-family home. It extends to $456,275 for 2-units, $551,500 for 3-units, and reaches $685,400 for homes with 4 units.
For conventional loans on a single-family residence, the maximum loan amount is $548,250. It goes up to $702,000 for homes with 2 units, rises to $848,500 for 3-unit properties, and maxes at $1,054,500 for 4-units.
Make use of our FHA calculator to explore today's best FHA rates and assess what downpayment, income, credit, reserves, and documents are required for qualification.
The Lendersa® calculator is a tool for comparing FHA rates and terms with those of various other loan programs. Examine options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles extensive loan data from thousands of lenders and matches it swiftly with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Fort-Myers county, within Lee, FL, provides a comprehensive comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualification criteria 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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