USDA and FHA Pro and Con in Marco-Island, Collier County, FL

In 2025, USDA loan limit in Marco-Island, 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.

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2025 loan limits and downpayment requirments in Marco-Island, 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 Marco-Island, 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?



  • New England Home Mortgage
  • 37 W. Center Street, Suite 208, Southington, CT, 06489
  • At New England Home Mortgage, we have over 50 years of industry experience to rely on. We offer a full suite of mortgage products and the highest level of customer service. Each mortgage team member will give you undivided attention, learn your unique financial situation, and explain the best mortgage solution available for you.
  • The Security National Bank of Enid
  • 201 W Broadway Ave, Enid, OK, 73701
  • Security National Bank of Enid is a commercial bank and trust company (accepting deposits) chartered under the National Bank Act. and Security National Bank offers a wide range of loan types with terms and conditions structured to meet individual business’s needs. These types include Term Financing, Construction Financing.
  • Blue Grass Savings Bank
  • 104 East Mayne Street, Blue Grass, IA, 52726
  • January 4, 1902 banking was started and one week later total assets were $19, 402.16. The January 9, 1902 meeting of the stockholders was held in the new bank. H. F. Wunder was hired as cashier receiving $50 a month salary. W.I. VanderVeer served as President with no pay and Julius W. Schiele served as Vice President.
  • United Bank of Michigan
  • 900 East Paris Ave SE, Grand Rapids, MI, 49546
  • United is our name and mission. We’ve been partnering with this community for more than a century to match needs with real solutions. Our banking products and services help build businesses, launch ideas, raise families and fulfill dreams. We genuinely believe in community banking.
  • Northpointe Bank
  • 3333 Deposit Drive NE, Grand Rapids, MI, 49546
  • Northpointe Bank deposits, nationwide mortgage purchasing program, and community bank fulfillment services. Our residential origination locations span the nation due to our ability to lend in all 50 states. As we continue to grow, we are proud to be recognized throughout the industry for our exceptional financial performance.
  • Northwind Financial Corporation
  • 625 Kenmoor Avenue Southeast, Suite 211, Grand Rapids, MI, 49546
  • Northwind Financial is a direct lender for private commercial real estate transactions, and direct for residential loans too! Our primary objective is to meet our borrower's need for financing with efficiency, flexibility and professionalism - especially in challenging situations. Established in 1997
  • Team Mortgage Company
  • 5043 Cascade Road SE, Suite A, Grand Rapids, MI, 49546
  • We complete a large volume of mortgage loan financing each year with many different financial institutions. At Team Mortgage Company, we treat our clients well. We have proudly built our success as a Grand Rapids mortgage lender with the philosophy that our customers always come first.
  • Preferred Credit Union
  • 3767 Sparks Dr SE, Grand Rapids, MI, 49546
  • Preferred Credit Union is a full service financial institution helping to serve the needs of those who work and live in our community. As your Preferred Financial Partner, our goal is to provide great member service while helping you save time and money on the products and services you need.
  • Red Oak Capital
  • 625 Kenmoor Ave SE, Suite 200, Grand Rapids, MI, 49546
  • Red Oak Capital Holdings, LLC is a family of commercial real estate finance and investment companies that includes Red Oak Financial, LLC, Red Oak Holdings Management, LLC, and Red Oak Capital GP, LLC. The Michigan-headquartered firm is anchored on a strong team that collectively delivers over 100 years of commercial real estate lending
  • Kenowa Community Federal Credit Union
  • 1905 28th Street SW, Wyoming, MI, 49519
  • Our mission is to provide the best financial products and services to our member communities in a friendly personal manner while maintaining financial stability and encouraging financial responsibility Kenowa Community Federal Credit Union was originally chartered September 23, 1952 under the name Wyoming Township Employees Federal Credit Union.
  • EB Wholesale
  • 2361 Palm Dale Drive, Southwest Wyoming, MI, 49519
  • We offer several different types of commercial loans to cover operational costs or fund major capital expenditures. Contact us today to learn more and gain an edge over your competitors! Local mortgage company who are experts in new home PURCHASE, REFINANCING, AND COMMERCIAL LOANS.