In 2026, the USDA loan limit within Villas, located in Lee county, FL, is set at $376,000. The FHA limit for a single-family home in comparison is $472,030.
Make use of the Lendersa® USDA loan calculator to evaluate the finest USDA and FHA rates available today. Identify the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, explore USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the most suitable program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $376,000 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to securing you the most advantageous USDA or FHA loan quickly and effortlessly. Select one of three starting strategies to connect with suitable lenders and gain access to USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is also referred to as the USDA rural development loan or USDA mortgage and is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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