USDA VS FHA in Cypress-Lake, Lee County, FL

In 2025, the USDA loan limit for Cypress-Lake, situated in Lee county, FL, is $315,100. Conversely, the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to assess today’s leading USDA versus FHA rates and determine necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding you in deciding the optimal program for your financial circumstances in Alabama.

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2025 Loan Limits and Down Payment Needs in Cypress-Lake, Lee County, FL

Loan Type Loan Limit Down Payment
USDA $315,100 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Cypress-Lake, FL

The aim of Lendersa® is to ensure you secure the best USDA or FHA loan swiftly and easily. Start by selecting one of the three initial paths to connect with matching lenders and access USDA loan programs suited to your needs.

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Understanding What a USDA Loan Is in FL

A USDA home loan, backed by the government's Department of Agriculture, known also as the USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment.

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



  • Transit Workers Federal Credit Union
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  • Transit Workers Federal Credit Union, offers a full line of financial products to all its members in a professional, consistent & courtesy manner. Chartered in 1967, TWFCU is a not-for-profit financial cooperative, democratically owned and run by its members. The credit union is governed by a volunteer Board of Directors, elected by the membership.
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  • At Home Front Mortgage. We are the fastest growing, Veteran Owned and Operated, Mortgage Broker on the East Coast. We Were Founded in 2016 by a career Real Estate professional and a Career Mortgage professional. This blend is not only unique, but it guarantees the entire purchase and real Estate process is respected and understood.
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