During 2026, the USDA loan limit set for Fort-Myers-Shores in the county of Lee, FL is $315,100, whereas the FHA limit stands at $356,362 for single-family residences.
Utilize the Lendersa® USDA loan calculator to compare the most favorable USDA versus FHA rates available today. By using this, you can ascertain the necessary income, credit level, reserves, and documents required to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting in determining the best fitting program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Fort-Myers-Shores, Lee, FL
Loan Type
Loan Maximum
Required Down Payment
USDA
$315,100
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discussing USDA and FHA Loan Options in Fort-Myers-Shores, FL
Lendersa® aims to quickly secure you the most fitting USDA or FHA loan, minus the hassle. You have three initial paths available that connect you with appropriate lenders and USDA loan programs.
A USDA home loan, sanctioned by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is strictly available in rural communities. Unlike FHA loans requiring a 3.5% minimum down payment, a USDA mortgage requires no down payment.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
5580 8th Street West, Unit 10, Lehigh Acres, FL, 33971
Lends in Florida
With over 14 years experience in the mortgage and real estate industry, Steve is a Boston native and moved to SWFL in 2003. Steve is as an experienced professional with the knowledge and expertise that you need to explore the many financing options available in today’s ever-changing mortgage environment.
Gulf Coast Business Bank, the first community bank to be started in 12 years, will fill the void and be operated by experienced and proven bankers from our local community who along with the board will invest more than $3M of the $20M raised in Capital and drive local deposits and loans to support organic and sustainable growth of GCBB.
10491 6 Mile Cypress Parkway, Suite 252 & 253, Fort Myers, FL, 33966
Lends in Florida
Alliance Mortgage manage your entire loan process in-house, from application to closing, to help your loan close faster. We also consider all the financial factors affecting your mortgage to help you strike the right balance – and our competitive mortgage rates, low closing costs, and wide array of mortgage products.
J Martin Mortgage Group LLC has experience since 1994 and is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple
2739 Oak Ridge Court, Suite 203, Fort Myers, FL, 33901
Lends in Florida
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
2180 West First Street Ste 540, Fort Myers, FL, 33901
Lends in Florida
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
14421 Metropolis Ave, Suite 102, Fort Myers, FL, 33912
Lends in Florida
Cogent Bank is an innovative and responsive full-service financial institution with unique and diversified products. Our mission is to help clients achieve their financial goals through an exceptional experience, innovative technology, and customized financial solutions.
6700 Daniels Parkway, Suite #4, Fort Myers, FL, 33912
Lends in Florida
Prosperity Home Mortgage, LLC, (Prosperity) a wholly owned subsidiary of The Long & Foster Companies, is a full service mortgage banker that specializes in residential and refinance loans. The Long & Foster Companies is part of HomeServices of America, a Berkshire Hathaway affiliate.
