USDA Vs. FHA your options comparison in Three-Oaks, Lee County, FL

As of 2025, 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 .

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Loan Limits and Downpayment Requirements for 2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

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%.

Enter your location to find out if it qualifies for USDA rural housing loan?



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