USDA Vs. FHA your options comparison in Naples, Collier County, FL

In 2025, USDA loan limit in Naples, county of Collier, FL is $441,600 while FHA limit is $672,750 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 Naples, county of Collier, FL

Loan Type Loan Limit Down payment
USDA $441,600 0%
FHA $672,750 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Naples, 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?



  • Towpath Credit Union
  • 2969 Smith Road, Fairlawn, OH, 44333
  • Towpath Credit Union, formerly Akron Teachers Credit Union, was established in 1936 for employees of the Akron Public Schools. By 1969, the Akron Teachers Credit Union had outgrown the small Akron office. Many other employee groups had also realized the benefits of being credit union members.
  • Riverview Mortgage Corp
  • 2919 West Market Street, Suite C, Akron, OH, 44333
  • We have a full range of products for all of your mortgage financing needs. At Riverview Mortgage, we know how overwhelming the mortgage process can be without the proper guidance. Like any other service based industry, most companies claim to offer quality service but few actually follow through on their promises.
  • Akron Mortgage & Refinance Co
  • 3867 West Market Street, Suite 335, Akron, OH, 44333
  • At Akron Mortgage and Refinance, we start things with trust. We work hard for our clients, and that is why we are a well-known and popular leader in the mortgage industry. Once you become our client, we will never stop thinking about the best options for you. We want you, our customers to be at ease all their lives.
  • The Mortgage Guys
  • 50 Baker Blvd, Suite 6A, Fairlawn, OH, 44333
  • Jeff Jaklitsch & the The Mortgage Guys have been originating home loans for over the past 21 years. Contact Jeff to purchase your dream home. The Mortgage Guys is ready to make the loan application process less stressful. Based in Fairlawn, OH, this company provides comprehensive & personalized mortgage services to borrowers in the Cleveland, Akron
  • Arize Federal Credit Union
  • 650 Science Park Rd, State College, PA, 16803
  • Arize is dedicated to providing products and services for the financial well-being of members and committed to extending the credit union advantage to individuals, businesses, and organizations in Central PA. Arize is a not-for-profit voluntary financial cooperative located in State College, PA.
  • Superior Credit Union
  • 100 Crosskeys Road, Collegeville, PA, 19426
  • Superior Credit Union was founded in 1956 by a group of workers at Superior Tube company in Collegeville, PA. We have grown from modest beginnings to a $50million credit union serving 6, 000 members. We offer all of the competitive services and products and much better rates and with less fees. We pride ourselves on top quality service
  • Assured Financial Services Corporation
  • 134 Second Avenue, Collegeville, PA, 19426
  • Assured Financial Services is committed to providing our clients with highest quality Mortgage Services combined with lowest interest rates available in your neighborhood. Our team is friendly, knowledgeable, and available to discuss a plan with you. We have partnered with top lenders so you will be given a competitive quote with low closing costs.
  • Approval Plus Mortgage Services
  • 609 Hamilton Street, Collegeville, PA, 19426
  • Approval Plus Mortgage Inc. of Collegeville, Pennsylvania, is a residential mortgage agency specializing in refinancing mortgage services. Boasting a five-star rating with ratings companies and clients, we go the extra mile. Nothing is more important to us than exceeding expectations and securing low interest rates for homeowners.