USDA and FHA Pro and Con in Alva, Lee County, FL

In 2025, USDA loan limit in Alva, county of Lee, FL is $376,000 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Alva, county of Lee, FL

Loan Type Loan Limit Down payment
USDA $376,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Alva, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • First California Financial Inc.
  • 30531 Via Ventana, San Juan Capistrano, CA, 92675
  • Since 1991, we have been providing mortgage loans to individuals like yourself. We specialize in custom programs that fit the needs of any home owner. Whatever challenges there may be, we will work one-on-one with you to get the best possible quote. And, customers with good credit will have the benefit of taking advantage of our special rates.
  • RSI Financial Services
  • 31726 Rancho Viejo Road, Suite 209, San Juan Capistrano, CA, 92675
  • RSI Financial Services is a direct lender and mortgage broker headquartered in San Juan Capistrano, California. Founded in 2003, RSI Financial Services provides a range of home loan options for buying and refinancing. Our experienced loan professionals are dedicated to helping you through the loan process
  • Hybrid Agent Group Inc.
  • 31910 Del Obispo Street, Suite 100, San Juan Capistrano, CA, 92675
  • Hybrid Agents in our brokering platform can choose from many different lending sources to give consumers the best available product, rates, cost, and service. We partner with some of the most competitive investors in the industry. Hybrid Agents practicing lending and real estate use a fully integrated
  • Linear Home Loans Inc.
  • 30220 Rancho Viejo Road, Suite E, San Juan Capistrano, CA, 92675
  • Linear Home Loans was founded in 2008 on the principles of fair and ethical lending, with a customer-centric strategy to deliver great service and competitive rates.We strive to provide only the best customer service as it is our goal to make sure every client of ours has a positive mortgage experience.
  • So Cal VA Homes
  • 30448 Rancho Viejo Road, Suite 120, San Juan Capistrano, CA, 92675
  • "Introducing, a one of a kind new program exclusively for Active Military and Veterans, it occurred to us that there must be a better way for “VA folks” just like you to BUY your ultimate home! Your VA loan benefit is a very powerful tool, but it falls desperately short when it comes to paying for everything to actually finish the home"
  • Arta Financial Services
  • 31991 Dove Canyon Drive, Suite 100-C, Trabuco Canyon, CA, 92679
  • "Arta Financial Corporation, is a Real Estate Finance and Investment company, Licences under California Department of Real Estate. We specialize in Real estate Loans and helping our clients locate and acquire investment properties of all kinds from Lands, Multi Units, Commercial Warehouse, industrial, automotive, etc."
  • SC Capital Corporation
  • 31 Charleston Lane, Trabuco Canyon, CA, 92679
  • SC Capital Corporation We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process.
  • Traditional Lending Services
  • 26 Golf View Drive, Trabuco Canyon, CA, 92679
  • Traditional Lending Services Motivated, experienced Mortgage Broker professional with more than 31 years of experience in home loans origination guiding homeowners and borrowers with expertise in evaluating credit, income and collateral Home Loans, Jumbo, High Balance, Conforming, VA, FHA. We lend on Single Family Residences and more
  • Service First Lending
  • 28361 Quiet Hill Lane, Portola Hills, CA, 92679
  • Service First Group At Re/Max is located in Trabuco Canyon, California, and was founded in 2002 is a Real Estate & Mortgage Company, I take great pride in offering superior service to my clients. If you're in the market to buy or sell a home please give me a call, I'd be happy to discuss your needs and provide advice at no obligation to you