USDA Vs. FHA your options comparison in Naples, Collier County, FL
In 2026, the USDA loan limit for Naples, in the county of Collier, FL, is set at $441,600. For a single-family home, the FHA limit is $672,750.
Use the Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today. This calculator helps determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage tool allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting in deciding which program in best suits your financial situation.
2026 Loan Limits and Downpayment Requirements in Naples, Collier County, FL
Possible Loan Types
Maximum Loan
Required Down Payment
USDA
$441,600
0%
FHA
$672,750
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Naples, FL
The aim of Lendersa® is to provide you with the most suitable USDA or FHA loan quickly and without hassle. Choose one of three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is specifically for rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require no down payment.
20020 Veterans Blvd, Suite 14, Port Charlotte, FL, 33954
Custom Mortgage is passionate about providing you a superior experience with mortgages. We understand you as the customer and have a firm belief that we can make the mortgage process as easy and enjoyable as possible. Our dedicated team will work with you and your situation to achieve your real estate goals.
Englewood Bank & Trust has been based in Lemon Bay in Southwest Florida since 1988, as a locally managed, community bank. Our goal is to provide our customers with highly personalized banking products and services while maintaining a hometown image. You’ll appreciate the convenience of Englewood Bank & Trust’s network
"AEM was disrupting old school lending with technology years before “fintech” was a term. We’re known by the world’s largest investors for our credit discipline. And as a customer, we’re at your service 24/7. All In like family. Driven like Wall Street. Approachable like Main Street. These are the core values AEM lives by."
At Crews Bank & Trust, we strive to be a one-stop-shop for all our customers’ personal and business banking needs. We offer checking and savings accounts with the convenience of Online and Mobile Banking, along with competitive loans. business banking needs. We offer checking and savings accounts.
Premier Nationwide Lending, it’s not just our experience that differentiates us from other mortgage companies – it’s our commitment to a quality customer relationship. Our borrowers are the reason we exist, and we are committed to providing a superior lending experience one loan at a time.
United Mortgage Advisors is a family owned and operated independent mortgage brokerage serving the state of Florida. We are devoted to offering low rates and fees, along with outstanding customer service, state of the art technology, and quick approvals. Located in North Port, serving the entire state of Florida
At MSC Mortgage, we partner with Michael Saunders & Company to provide a full range of real estate services along with home financing options. Let us find the best possible loan for your next home purchase or refinance. Our goal is to provide our valued customers with great rates, fast closings and outstanding customer service.
Gulfside Mortgage Services in April of 2003. Our team has over 104 years combined experience in the mortgage industry. That is why we are the leaders of what we do. We are dedicated to our community and give back to it as much as possible. Gulfside Mortgage Services is your best source for the lowest-rate financing on the market.
