FHA Loans · FL
FHA Home Loans in Naples, FL
Naples 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
$23,870
Monthly Total
$4,533/mo
2026 FHA Limit
$764,750
Income Needed
$147,432/yr
FHA Limit Covers Naples
FHA loan limits in COLLIER County ($764,750) comfortably cover the Naples median home price ($682,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$23,870
Lower MIP
FHA 10% Down
$68,200
No PMI
Conventional 20%
$136,400
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $4,232 | $301 | $4,533 |
| Conventional 5% down | — | $377 | $4,579 |
Upfront MIP of $11,517 (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 Naples
Low down payment, flexible credit requirements, and DPA stackable programs.