USDA Vs. FHA Pro and Con comparison in Naples-Manor, Collier County, FL

In 2025, USDA loan limit in Naples-Manor, 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 Naples-Manor, 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 Naples-Manor, 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?



  • Tri-Pillar Mortgage
  • 9957 Artesia Pl, Bellflower, CA, 90706
  • Tri-Pillar Realty was founded out of a goal to make buying a home more achievable for a variety of customers. That is why Tri-Pillar Realty is committed to bringing you the best possible home buying experience. We promise to treat you with respect, offer you fair and efficient service and a commitment to honesty.
  • Surfside Mortgage Inc.
  • 17000 Clark Avenue, Bellflower, CA, 90706
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Dean Capital Home Loans
  • 15545 Bellflower Boulevard, Suite B, Bellflower, CA, 90706
  • Dean Capital Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • CB Home Loans
  • 16216 Clark Ave., Bellflower, CA, 90706
  • CB Home Loans, we understand the frustration of waiting for bank-approved funds or not having the necessary credit to even get approval. That is why our team is here to help and provide you with the funding you need We offer the following types of loans Commercial Property Loans, Home Loans
  • HouseAmerica Financial
  • 1010 Foothill Blvd, La Canada Flintridge, CA, 91011
  • We are a full-service direct lender, located in Southern California. With centralized operations and local supervision at every step of the way, we make sure our clients get the one-on-one attention and service they deserve. We have a solution-based, hands-on management team with the expertise necessary to succeed in today’s complex lending environ
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  • 707 Foothill Blvd, Suite 202, La Canada Flintridge, CA, 91011
  • BWA Mortgage, as a full service mortgage brokerage, in a challenging market where mortgage rates were at 12.75%. Since then our broker, Floyd Walters, has built a business that provides real estate financing the way he feels it should be done: with high attention to detail & providing consumers an easy to understand explanation of the loan process.
  • Calstar Realty and Mortgage
  • 1033 Foothill Boulevard, La Canada Flintridge, CA, 91011
  • Calstar Realty and Mortgage Services has achieved the highest level of production by providing superior service to its customers. Our mission is to become the premier real estate and financial service provider to our clientele. Our emphasis is on creating a completely satisfied client for life.
  • David Kutner-The Friendly Lender
  • 607 Foothill Blvd #494, La Canada Flintridge, CA, 91011
  • Hello. My name is David Kutner and I am licensed both in California and nationally as a mortgage professional. When you are my client I find great loan program for your particular situation among the many lenders that are available. You will get very personal, friendly service from start to finish, and even after the transaction is completed.
  • Inbanet
  • 8141 E 2nd Street, Downey, CA, 90241
  • Fix and Flip for residential properties 90/100 nationwide, 2 points max Bridge Loans are available on all sorts of properties, mainly in California. Run any scenario you have, and we will first try in-house; if not, we can get it done with our consortium of lender networks. We are the deal makers.
  • Fuente Funding Inc
  • 8000 Cypress Lane, Downey, CA, 90241
  • Fuente Funding—your ultimate partner in real estate lending. With over 10 years as a trusted mortgage broker, we offer tailored commercial and residential loans. Our motto? Be resourceful. We equip you with the know-how to make savvy decisions. From deals to debt, we've got you covered. Subscribe for exclusive real estate finance tips. At Fuente Fu