USDA and FHA Pro and Con in Suncoast-Estates, Lee County, FL

In 2025, USDA loan limit in Suncoast-Estates, county of Lee, FL is $315,100 while FHA limit is $356,362 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 Suncoast-Estates, county of Lee, FL

Loan Type Loan Limit Down payment
USDA $315,100 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Suncoast-Estates, 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?



  • PenTrust Mortgage Group
  • 1755 Telstar Dr, Suite 109, Colorado Springs, CO, 80920
  • At PenTrust, we are driven to deliver a seamless and stress free loan approval process when financing your new or existing home. Our experienced team will provide the knowledge and guidance necessary to ensure a smooth experience while our vast product offerings ensure we match you to the perfect loan.
  • A Plus Mortgage, LLC
  • 1880 Office Club Point, Suite 1200, Colorado Springs, CO, 80920
  • This company was founded on 35 years of experience in the mortgage lending industry. We strive to take care of and support your needs now and in the future because, A Plus Mortgage is proud to partner with carefully chosen and well-qualified, licensed and insured loan processors who share over forty years combined experience
  • 113 Credit Union
  • 3505 North Chestnut Street, Colorado Springs, CO, 80907
  • One Thirteen Credit Union was founded in 1958 by members of IBEW Local 113. In the beginning, the Credit Union was open to Union Electricians in the Colorado Springs area only. Later the membership was opened to members and their families of Colorado Building and Construction Trade Council and the Colorado Springs Labor Council.
  • Colorado Mortgage Group Inc
  • 1490 Garden of the Gods Road, Suite A, Colorado Springs, CO, 80907
  • 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.
  • The Mortgage Cowboy LLC
  • 4419 Centennial Blvd, Suite 260, Colorado Springs, CO, 80907
  • The Mortgage Cowboy is a full service mortgage shop offering VA, FHA, USDA, Conventional loans. 25 years of experience in the lending industry. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service.
  • Los Alamos Schools Credit Union
  • 1010 Central Avenue, Los Alamos, NM, 87544
  • As a non-profit financial cooperative, our mission is to excel at providing high quality, member-focused services in a professional and friendly manner, and to continue to support and encourage our members to achieve their financial goals. Chartered in 1955, Los Alamos Schools Credit Union has been providing high-quality.
  • REP Financial LLC
  • 6001 Menaul Blvd NE #1216, Albuquerque, NM, 87110
  • At REP Financial, we provide fast, flexible funding for real estate investors—whether you’re flipping, renting, or developing. We bridge the gap between your goals and real results, offering solutions for tight timelines, high DTI, and income documentation challenges. Our relationship-driven approach helps investors scale with strategic, long-term
  • Main Bank
  • 7300 Menaul Blvd NE, Albuquerque, NM, 87110
  • Main Bank has a long history of serving Albuquerque’s personal and business banking needs. Originally chartered in 1975 as Plaza Del Sol National Bank, the bank has undergone a series of changes. In 1995, the bank was sold, became a state chartered bank called Interamerica Bank and moved to 2424 Louisiana Blvd., NE in Albuquerque.
  • Accurate Mortgage
  • 6605 Uptown Boulevard Northeast, Suite 260, Albuquerque, NM, 87110
  • Accurate Mortgage will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.
  • Weststar Mortgage & Escrow
  • 2155 Louisiana Blvd. NE, Suite 8000, Albuquerque, NM, 87110
  • Weststar Mortgage Corporation is a privately owned company established in 1983 in Albuquerque, New Mexico where it maintains corporate headquarters to this day. The firm's primary initial focus was to develop specialized software that enabled the company to deliver best-of-breed loan servicing solutions to clients who offered seller financing.
  • New Mexico Mortgage Company
  • 6303 Indian School Road NE, Suite 104, Albuquerque, NM, 87110
  • The New Mexico Mortgage Company Team is your premier mortgage team located in New Mexico. We pride ourselves on offering a variety of programs and competitive rates and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the state of New Mexico.
  • Kirtland Federal Credit Union - Home Loan Center
  • 6700 Jefferson St NE, Suite D-1, Albuquerque, NM, 87109
  • WE'RE LOCAL—We aren’t a huge national chain with one-size-fits-all banking options—we’re a local partner with BIG ideas and the latest technology to help our members solve problems and grow. We employ around 140 community members, and our employees range from bright, promising college students to seasoned financial geniuses