In 2026, the FHA loan limit for St.-James-City county, Lee, FL sets at $356,362 for single-family homes, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
Conventional loans are capped at $548,250 for a single-family residence, $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to check today’s FHA best rates and determine your downpayment, income, credit, reserves, and documents needed for qualification.
Use Lendersa® calculator to compare FHA rates and terms with other loans: Conventional, Jumbo, VA, USDA, Non-QM, and hard money.
Lendersa® pulls data from thousands of lenders, swiftly aligning it with your financial profile.
The 2026 Loan Limits Comparison Table in St.-James-City county, Lee, FL includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualifications like income, reserves, and credit, use 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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