USDA Vs. FHA your options comparison in Lely-Resort, Collier County, FL

In 2025, USDA loan limit in Lely-Resort, county of Collier, FL is $368,000 while FHA limit is $460,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Lely-Resort, county of Collier, FL

Loan Type Loan Limit Down payment
USDA $368,000 0%
FHA $460,000 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Lely-Resort, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Shoreline Financial Services
  • 4000 Long Beach Boulevard, Suite 304, Long Beach, CA, 90807
  • Shoreline Financial Services is a family-owned business, with a passion for helping other families and individuals improve their wellbeing. We are a mortgage broker affiliate with Fannie Mae, Freddie Mac, PennyMac, Quicken Loans, Caliber Home Loans, Citadel Home Loans, United Wholesale Mortgage.
  • changemyrate.com
  • 4320 Atlantic Avenue Suite 216, Long Beach, CA, 90807
  • ChangeMyRate.com® is an Equal Housing Opportunity mortgage company. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age because all or part of your income may be derived from any public assistance program.
  • RGC Capital Inc
  • 6730 Florence Avenue Suite 101, BELL GARDENS, CA, 90201
  • RGC Capital Inc is a commercial and private money lending firm providing alternative financing for non-bankable clients. Our nationwide lending platform allows financing for residential investment properties and all types of commercial assets. With over 35 years of lending experience and over 3000 closed transactions, we have earned a successful
  • Rene Luna Realtor
  • 6730 E. Florence Ave, Bell Gardens, CA, 90201
  • In 2007, one of the toughest times in the Real Estate industry, Rene Luna became a Real Estate Agent. By 2009 Rene had become a Real Estate Broker and had gained much experience both in real estate and in financing. During this time Rene was able to build the skills needed to negotiate for my clients best interests.
  • Integrity Realty and Finance
  • 257 East Adams Street, Long Beach, CA, 90805
  • I obtained my Real Estate License in 1998 and functioned primarily as a Realtor in various areas of Southern California until 2008 (when the Real Estate market drastically declined). Once that happened, I decided to try my hand as a Mortgage Loan Officer and immediately created a niche in that field.
  • Priority One Credit Union
  • 1631 Huntington Dr, South Pasadena, CA, 91030
  • Our mission To help our member-owners and employees achieve financial fitness. We are committed to providing quality products and services that help you win with money We are proud to say that your Credit Union is financially strong and has a great future.We wonder if the first 17 members ever envisioned that we would grow to become a $207 million.
  • Huntington Group
  • 305 Pasadena Avenue South, South Pasadena, CA, 91030
  • Huntington Group is A Full Service Real Estate and Mortgage Company. Huntington Group seeks to assist potential clients with prequalification, Real Estate and mortgage services. In addition, Huntington Group can assist potential clients with Bridge or Hard Money Financing. Huntington Group serves all of Southern California.
  • Acacia Mortgage Corporation
  • 815 Fair Oaks Ave, South Pasadena, CA, 91030
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Huntington Mortgage
  • 305 Pasadena Avenue South, South Pasadena, CA, 91030
  • Huntington Mortgage is your premier mortgage team located in South Pasadena, California. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the State of California.
  • Journey Mortgage Advisors, Inc
  • 99 Pasadena Avenue, Suite 10C-A, South Pasadena, CA, 91030
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.