USDA and FHA Pro and Con in St.-James-City, Lee County, FL
In 2025, the USDA loan limit for St.-James-City, within Lee county, FL, is $315,100, whereas the FHA cutoff for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Assess the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in choosing the best program for your financial situation in .
2025 Loan Limits and Down Payment Requirements in St.-James-City, Lee, FL
Loan Type
Loan Limit
Down Payment
USDA
$315,100
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in St.-James-City, FL
The goal of Lendersa® is to efficiently connect you with the best USDA or FHA loan without hassle. Begin with one of three starting points to find matching lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is exclusive to rural areas. Unlike FHA loans that need a minimum of 3.5% down payment, USDA loans require no down payment at all.
PBK has been in business for over 100 years. We opened our first office in Hustonville, Kentucky in 1906 and have been growing and expanding ever since. We have a vast array of banking services including checking and savings accounts, certificates of deposit, IRA’s, Christmas and Vacation club accounts, health savings accounts.
We are committed to helping individuals reach their financial goals. From starting a savings or checking, planning for college or retirement, financing affordable loans to buying or renovating a home. Our members’ needs are important to us and we’re here to help. Our credit union believes in the philosophy of “People Helping People” .
In 1890, a tradition of integrity, service and community involvement began. Merchants and Planters bank, later known as First State Bank, opened their doors to the Bradley County community. First National Bank of Warren continued to flourish with the development of a community development board in 1974.
Arkansas Superior Federal Credit Union has been serving its members since 1957. During that time, we have prided ourselves in offering personal, friendly, and efficient service. Our Credit Union is a non-profit organization, owned and operated by its members, people just like you.Credit Union has been serving its members since 1957.
BSV has a long and proud history of serving the community. While we operate over 15 locations today, we have very humble beginnings and strong roots.
The Bank of Southside Virginia has origins that begin in 1905 when the Bank of Stony Creek was chartered. In 1911, the Bank of Carson opened for business
Mobiloil CU is a not-for-profit financial service cooperative that currently has more than 67, 000 members & assets exceeding $1 Billion. Our purpose is to help members achieve their goals and dreams by providing the financial tools and services to get them there. Mobiloil CU has maintained a competitive position among other financial institutions.
Homestead Mortgage was founded in 1997 by Dave Faul. Faul was interested in a more personal, hands-on approach for clients to help achieve the best home loan experience. Homestead Mortgage has been serving the Golden Triangle and Texas, for the past 20 years. Our years of experience has lead us to provide a better experience for our clients
Farmers and Merchants Bank and The Bank of Fayetteville are both deeply rooted in Arkansas soil. Our tradition of community-oriented banking and providing our customers with the best financial products and services available is the foundation of our bank family.
Our mission stands tall and clear:
to promote the success.
