As of 2026, the USDA loan limit in Three-Oaks, within Lee county, FL, stands at $315,100, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to assess the best USDA versus FHA rates available today. It helps you ascertain the necessary income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side to assist you in determining which option best fits your financial needs in .
Loan Limits and Downpayment Requirements for 2026 in Three-Oaks, Lee county, FL
Loan Type
Loan Limit
Down Payment
USDA
$315,100
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discover USDA and FHA Loan Choices in Three-Oaks, FL
Lendersa® aims to provide you with an optimal USDA or FHA loan quickly and efficiently. You can choose from three starting points that connect you with matching lenders and USDA loan options.
The USDA home loan is backed by the Department of Agriculture and is commonly referred to as the USDA rural development loan or mortgage. It is specially available in rural areas and does not require any down payment, unlike FHA loans which demand a minimum down payment of 3.5%.
14421 Metropolis Ave, Suite 102, Fort Myers, FL, 33912
Lends in Florida
Cogent Bank is an innovative and responsive full-service financial institution with unique and diversified products. Our mission is to help clients achieve their financial goals through an exceptional experience, innovative technology, and customized financial solutions.
6700 Daniels Parkway, Suite #4, Fort Myers, FL, 33912
Lends in Florida
Prosperity Home Mortgage, LLC, (Prosperity) a wholly owned subsidiary of The Long & Foster Companies, is a full service mortgage banker that specializes in residential and refinance loans. The Long & Foster Companies is part of HomeServices of America, a Berkshire Hathaway affiliate.
AA South Florida Mortgage brings a dynamic work ethic to their clients. Their practice of commitment and drive have brought them success time after time. Their dedication to making a transaction that is agreeable with you allows a smoother transition for your family. AA South Florida Mortgage is content to handle the worrisome details
13430 Parker Commons Blvd., Unit #103, Fort Myers, FL, 33912
Lends in Florida
Mortgage Warehouse - We are a mortgage lender that provides home loans to customers looking to purchase or refinance their home. We deliver great rates and service by handling the loan process from start to finish including underwriting and funding our loans. and also Rated A+ with the Better Business Bureau.
Craig Cornelius Principal at Uplands Mortgage. Uplands Mortgage will come to you at your home or office - including evenings & weekends. Craig has over thirty years of experience in consultative sales, always acting with integrity and a commitment to deliver on his promises. Uplands Mortgage has Operate from 2 Location, Connecticut and Florida.
17595 S Tamiami Trail, Suite 215, Fort Myers, FL, 33908
Lends in Florida
Peoples Mortgage opened its doors in Arizona in 1998 with the mission of offering competitive real estate financing with unmatched service. This straightforward approach has given Peoples a solid reputation in the industry and Peoples Mortgage is dedicated to serving its customers Loan Officers have access to a variety of investors.
Founded in 1997, Edison National Bank, and its Bank of the Islands offices, is the oldest locally owned and managed independent community bank in Lee County. Dedicated to providing genuine personal services and on-site decision making, we have an undeniable interest in the future growth and well-being of the community we serve.
Florida Mortgage Funding Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that e
5237 Summerlin Commons Blvd, Suite 337, Fort Myers, FL, 33907
Lends in Florida
We specialize in Conventional, FHA, VA, and Jumbo loan products. Whether you’re looking to purchase or refinance, we have the expertise needed to get you the right loan for you and your family. We offer many loan programs that banks do not offer, and we can get you to the closing table faster too!
