In 2026, the USDA loan limit for Lochmoor-Waterway-Estates, in the county of Lee, FL is $315,100, whereas the FHA limit for a single-family residence is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate the current best rates between USDA and FHA options, and to identify the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA options are displayed side by side, assisting you in determining which financial program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $315,100 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The purpose of Lendersa® is to match you with optimal USDA or FHA loans quickly and with ease. Choose from three starting points to pair with lenders and explore USDA loan offerings.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as a USDA rural development loan, accessible only in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, the USDA mortgage demands no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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