FHA Loans · FL
FHA Home Loans in Immokalee, FL
Immokalee sits in an elevated FHA zone ($764,750 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$8,925
Monthly Total
$1,694/mo
2026 FHA Limit
$764,750
Income Needed
$68,204/yr
FHA Limit Covers Immokalee
FHA loan limits in COLLIER County ($764,750) comfortably cover the Immokalee median home price ($255,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$8,925
Lower MIP
FHA 10% Down
$25,500
No PMI
Conventional 20%
$51,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $1,582 | $112 | $1,694 |
| Conventional 5% down | — | $141 | $1,712 |
Upfront MIP of $4,306 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
Florida's Hometown Heroes program 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.
Hometown Heroes: Florida's Hometown Heroes program 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 Immokalee
Low down payment, flexible credit requirements, and DPA stackable programs.