USDA and FHA Pro and Con in Fort-Myers, Lee County, FL
In the year 2026, the USDA loan limit for Fort-Myers in the county of Lee, FL is $315,100. Meanwhile, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's premier USDA versus FHA rates. Identify the required income, credit, reserves, and documents essential for qualification. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA loans side by side to assist you in determining the best program within , tailored to your financial requirements.
2026 Loan Limits and Down Payment Requirements in Fort-Myers, County of Lee, FL
Loan Type
Loan Limit
Down Payment
USDA
$315,100
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Fort-Myers, FL
The objective of Lendersa® is to provide you with the most suitable USDA or FHA loan quickly and effortlessly. Choose from one of three starting approaches to connect with lenders and USDA loan programs that align with your goals.
A USDA home loan is backed by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.
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