In 2026, the FHA loan limits in Fort-Myers-Beach county of Lee, FL are $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
The maximum for conventional loans is $548,250 for a single-family home, increasing to $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Utilize our FHA calculator to view today’s best FHA rates and determine the downpayment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator enables you to compare FHA rates and terms with other loan programs. Evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® draws data from thousands of lenders, quickly matching it to your unique financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Fort-Myers-Beach county, Lee, FL, provides details on maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® SLIQ™ to evaluate income, reserves, and credit requirements.
| 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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