USDA Vs. FHA your options comparison in Fort-Myers-Beach, Lee County, FL
In 2026, 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 2026 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.
"At StagePoint we are working for you to point the way to a better financial future at each critical stage of your life.
Since 1935, StagePoint has been here for hard-working Americans who want a better future. As a trusted financial partner, we know your life has many stages. At each critical stage, our team understands your needs"
The Mortgage Source, Inc. is licensed with experienced professionals available to guide you through the homebuying or refinancing process. It is our mission to provide prompt, professional, and courteous service from start to finish. We will continue to support you even after closing on your home.
Sentinel Federal Credit Union has been guarding and protecting the financial well-being of our members since 1955. As a community Credit Union, many of us were born and raised in the communities that we serve. Because of that, we make our decisions right here at the Credit Union. Some places have local branches. We have local roots.
Marshall County State Bank is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public. Serving the heart of Marshall County. We are here to serve you! Offering personal banking needs, loan services and insurance. Marshall County State Bank is your trusted local partner for all types of mortgage loans.
ACPE Federal Credit Union has been in the community for almost 54 years and we are still going strong. We have recently expanded our building to better serve our members. We have a friendly staff waiting to help you with any financial needs you may have. Call or stop in today!Credit Union has been in the community for almost 54 years
At UniWyo, we put people first - our members, our colleagues, everyone in our communities. In all we do - even the smallest interactions - we aim to better people's lives.
UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, Xtraordinary Checking, Credit Cards and much more.
2900 Grand Avenue, Suite 13, Aspen Square laramie, WY, 82070
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
Colonial is a national provider of banking, home loans and insurance. Founded in 1952, the company has $1 Billion in assets and is privately held by choice to ensure our focus remains on our customers and not the expectations of Wall Street. Colonial is rated “Five Stars – Highly Recommended” as one of the strongest financial institutions
Riverfork Federal Credit Union got its start in 1959 by a group of City of Grand Forks employees. The original name of the credit union was Grand Forks City Employees Federal Credit Union. To exemplify the “people helping people” philosophy of the credit union movement, the employees pooled their money and loaned it to those employees in need.
Rushmore Electric Federal Credit Union was formed to assist employees and directors of rural electric cooperatives with their financial needs and planning in September 1964. Credit Unions are non-profit financial cooperatives and member-owned, just like rural electric cooperatives.
At First Western Federal Savings Bank, you’ll find an honesty from our non-recourse lenders that you won’t find anywhere else. We take extraordinary pride in providing simple, straightforward answers to your very important questions about buying investment real- estate. As a portfolio lender for over 30 years.
