FHA Loans · FL
FHA Home Loans in Bonita Springs, FL
With a $538,000 median, the $541,287 FHA limit covers 100.6% of typical Bonita Springs purchases — buyers at or above the median may need a larger down payment or conventional financing.
3.5% Down
$18,830
Monthly Total
$3,575/mo
2026 FHA Limit
$541,287
Income Needed
$120,697/yr
FHA Limit Alert
The 2026 FHA loan limit in LEE County is $541,287. The Bonita Springs median home price is $538,000, which is above the FHA limit. Buyers may need to cover the gap with a larger down payment or explore jumbo financing.
Down Payment Comparison
Most Popular
FHA 3.5% Down
$18,830
Lower MIP
FHA 10% Down
$53,800
No PMI
Conventional 20%
$107,600
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,338 | $237 | $3,575 |
| Conventional 5% down | — | $298 | $3,612 |
Upfront MIP of $9,085 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
Florida DPA provides up to $35,000 in DPA for eligible workers, compatible with FHA. Income limits and occupational requirements apply; combine with FHA for maximum affordability.
Florida DPA: Florida DPA offers up to $35,000 in DPA for eligible teachers, first responders, healthcare workers, and other frontline professionals.
FAQs
Get pre-approved for an FHA loan in Bonita Springs
Low down payment, flexible credit requirements, and DPA stackable programs.