For 2026, the FHA loan limits in Villas, located within the county of Lee, FL, are identified as: $472,030 for a single-family home, $604,400 for duplexes, $730,525 for three-unit residences, and $907,900 for buildings with four units.
The maximum loan amount for conventional loans on a single-family home is $726,200. It is $929,850 for two-unit properties, $1,123,900 for three-unit homes, and $1,396,800 for residences with four units.
Utilize our FHA calculator to find today’s leading FHA rates and assess the necessary downpayment, income, credit score, reserves, and documentation to qualify.
The Lendersa® calculator allows comparison of FHA rates and terms with a variety of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, providing a comprehensive view alongside FHA options.
Lendersa® derives extensive loan program data from thousands of lenders, quickly aligning it with your unique financial profile and requirements.
Our Loan Limits Comparison Table for 2026 in Villas, part of Lee, FL, provides an analysis of maximum lending amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements like income, reserves, and credit standards, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $376,000 | $376,000 | $376,000 | $376,000 |
| 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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