USDA Vs. FHA Pro and Con comparison in Estero, Lee County, FL

In the year 2025, the USDA loan limit in Estero, within Lee county of FL, is $376,000. Meanwhile, the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate and compare today's best USDA vs. FHA rates. Identify the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in best suits your specific financial situation.

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Details on 2025 Loan Limits and Down Payment Requirements in Estero, Lee, FL

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

Exploring USDA and FHA Loan Options in Estero, FL

At Lendersa®, our goal is to secure you the best possible USDA or FHA loan promptly and without difficulty. Begin by choosing one of three starting points that connect you with lenders aligned with USDA loan programs.

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Understanding the USDA Loan in FL

A USDA home loan, guaranteed by the Department of Agriculture, is known as a USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans do not require any down payment.

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



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