Lending in Southwest Florida
Southwest Florida runs from Cape Coral and Fort Myers south through Naples and Marco Island. It's one of the state's fastest-growing regions, with a large retiree and seasonal-buyer population. Hurricane Ian made landfall in Lee County in 2022, and the rebuild still shapes lending here: elevation certificates, roof age, wind mitigation and flood insurance can make or break approval. Collier County has the highest FHA limit in Florida outside the Keys.
Most common loans here
- Second-home and seasonal-resident financing
- Jumbo loans for Naples and Marco Island
- Rebuilt and newly elevated homes in Cape Coral and Fort Myers Beach
- DSCR for canal-front rentals
2026 loan limits by county
| County | FHA (1 unit) | Conforming (1 unit) | City pages |
|---|---|---|---|
| Lee County | $541,287 | $832,750 | Fort Myers, Cape Coral, Sanibel Island, Bonita Springs, Estero, Lehigh Acres, Fort Myers Beach |
| Collier County | $764,750 | $832,750 | Naples, Marco Island |
| Hendry County | $541,287 | $832,750 | - |
| Glades County | $541,287 | $832,750 | - |
Limits from HUD and FHFA for 2026. We confirm the current figure before every rate lock.
Loan programs
- Conventional: Low down payment options for qualifying first-time buyers.
- FHA: Low down payment and flexible credit; minimum scores vary by lender.
- VA: For eligible veterans and service members.
- USDA: For eligible homes in qualifying rural and suburban areas.
- Jumbo: Loans above the conforming limit.
- DSCR: Investment property qualified on rental income.
- Bank statement: For self-employed borrowers.
- Construction-to-perm: One closing for building a new home.
- Foreign national: For buyers without US credit.
- Down payment assistance: Including Florida Hometown Heroes.
FAQ
What are the 2026 FHA loan limits in Southwest Florida?
For a one-unit home, 2026 FHA limits in Southwest Florida range from $541,287 to $764,750, depending on the county.
Which counties are in Southwest Florida?
Lee, Collier, Hendry and Glades counties.
Can I get a mortgage anywhere in Southwest Florida through FundFL?
Yes. Nick Grisanti is licensed throughout Florida (NMLS #2719729) and shops 100+ wholesale lenders through C2 Financial Corporation.