USDA Vs. FHA your options comparison in Fort-Myers-Beach, Lee County, FL
In 2025, the USDA loan ceiling in Fort-Myers-Beach, within the boundaries of Lee County, FL, is designated as $315,100. For single-family residences, the FHA loan limit is established at $356,362.
Utilize the Lendersa® USDA loan calculator for a detailed comparison of the most favorable USDA versus FHA rates available at present. You can also ascertain the income, credit metrics, reserves, and documentation required to qualify. Our sophisticated mortgage calculator displays the USDA, FHA, Conforming, and VA options side by side, guiding you to determine which program suits your specific financial scenario best in .
Loan Limits and Down Payment Requirements of 2025 in Fort-Myers-Beach, 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 Fort-Myers-Beach, FL
The goal of Lendersa® is to help you secure optimal USDA or FHA loans promptly and with ease. Begin with one of three pathways that guide you to lenders and USDA loan programs tailored to your requirements.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specially designed for eligible properties in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, a USDA mortgage requires no down payment, offering a unique opportunity for many potential homebuyers in rural locations.
For more than four generations, TCB has been helping our customers make their goals and dreams a reality. We opened our doors on South Street in Roslindale in April 1898 as Roslindale Cooperative Bank. From 1928 to 1956, our main office was located on the corner of Corinth Street. In 1956, we moved to 40 Belgrade Avenue, where we still are today.
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Northeast Home Loan is one of New England’s best kept secrets when it comes to wholesale mortgage banking. We don’t have national aspirations, and we don’t grow our business by adding lots of clients. Our business model is predicated on some simple ideas. We’re a community-based lender, so we seek partners that are similarly focused.
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