For 2026, the FHA loan limits in Naples, situated in Collier county, FL, are as follows: $672,750 for single-family homes, $861,250 for two-unit residences, $1,041,050 for properties with three units, and $1,293,750 for four-unit buildings.
Conversely, conventional loan caps are set at $726,200 for single-family abodes, rising to $929,850 for two units, $1,123,900 for three-unit homes, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to explore today's leading FHA rates and identify the required downpayment, income, credit score, reserves, and documentation necessary for qualification.
The Lendersa® calculator is designed to help you compare FHA rates and terms with different loan options. Engage in analyzing Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® swiftly gathers loan data from thousands of lenders and effectively matches it with your financial profile and needs, providing tailored results.
The Loan Limits Comparison Table for 2026 in Naples, found within Collier county, FL, presents maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to thoroughly compare requirements for income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $672,750 | $861,250 | $1,041,050 | $1,293,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $441,600 | $441,600 | $441,600 | $441,600 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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