USDA Vs. FHA your options comparison in Sanibel, Lee County, FL
As of 2025, the USDA loan threshold in Sanibel, within Lee county, FL, is $376,000. For FHA loans, the limit for single-family homes is $472,030.
Utilize Lendersa®'s USDA loan calculator to compare today's top USDA versus FHA rates. Determine the required income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays a side-by-side comparison of USDA, FHA, Conforming, and VA loans, enabling you to choose the program in that best suits your financial needs.
2025 Loan Limits and Downpayment Requirements in Sanibel, Lee, FL
Loan Type
Loan Limit
Down Payment
USDA
$376,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Sanibel, FL
The goal of Lendersa® is to swiftly secure the most suitable USDA or FHA loan for you, hassle-free. Select one of three approaches that connect you with matching lenders and USDA loan options.
A USDA home loan, often called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. These loans are specifically available in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans do not require any down payment at all.
Founded in Blacksburg in 1891, National Bank has been serving the citizens of Southwest Virginia for well over a century. With 25 full-service branch offices and $1.2 billion in assets, the bank has grown along with our region’s dynamic economy while staying true to its community banking roots.
FRM company and we represent your best interests, not the big banks. We’ve been in business for over 20 years and we thrive on providing our clients with an outstanding mortgage experience. With offices in Blacksburg, Marion, and Abingdon we serve clients throughout Virginia. We’ve built our business by being an advocate for our clients.
At Marion State Bank, we take the time to get to know you, our friends and neighbors. This dedication to service is only part of the package. With the latest advancements in mobile and online banking, our staff will help you stay connected to your money at all times.
We may be small, but we’re doing big things. Come see for yourself.
1715 Aaron Brenner Drive, Suite 100, Memphis, TN, 38120
Financial Federal is locally owned and operated and remains a community bank that specializes in high quality customer service and customized banking solutions. Our board and senior management continue to focus on creating an atmosphere that is appreciated by those who value the confidence that comes from experience
6489 Quail Hollow Rd, Suite 106, Memphis, TN, 38120
Compare, Offer and Close with CONFIDENCE with The Wendy Thompson Team.
Your homebuying journey should start with finding a lender. Mortgages are long-term relationships, and you will want to be confident that your lender offers a strong combination of quality service and competitive pricing.
Our mission is to financially counsel and serve members of the health care community with a full range of quality financial services which are competitive, and promote the financial well-being of our membership and the overall safety and soundness of our organization. HealthNet Federal Credit Union was founded in 1955 to serve the financial needs.
Exchange Bank, we have a very strong commitment to our community. We offer unsecured, secured, vehicle and other personal loans, and work with you to create terms that best meet your needs and at very competitive rates. We are locally owned and locally staffed – decisions about your loan request will be made right here, in a timely manner.
City Bank was established in Natchitoches in 1933 and has been an integral part of this historic community for over 85 years. The City Bank family constantly strives for excellence and we pride ourselves on the personal services we offer to all of our customers. As a City Bank customer, you will benefit from a full range of services.
The credit union was chartered on March 6, 1975 by a small group of employees of Western Kraft Paper Mill in Campti, LA. They became members of the new WKE Red River Federal Credit Union. In 2002, the name was changed to what it is still called today, Engage Federal Credit Union.
