Mortgage lender in Lee County, FL

Buying in Lee County

Lee County, with its county seat in Fort Myers, also takes in Cape Coral, Lehigh Acres, Bonita Springs, Estero and Sanibel. Lee County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Florida, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Florida Housing Finance Corporation (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Lee County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Lee County: canals, coast and seasonal buyers

Cape Coral is laid out on hundreds of miles of canals, and the islands and coast were hit hard by recent hurricanes. Flood zone status, the elevation of the house and the cost of flood and wind insurance are the first things to settle, so we order the flood determination and ask for quotes before you commit.

Many purchases are second homes or homes for seasonal residents and retirees, who often qualify on pension, Social Security or investment income. Gated and golf communities in Estero, Bonita Springs and south Fort Myers carry association dues and sometimes club fees. Lehigh Acres, inland, has the most moderate prices, and some lots there use wells and septic systems.

Lee County by the numbers

Median home value

$362,200 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.79% of home value a year: median tax bill $2,858 on a median value of $362,200 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Documentary stamp tax of 70 cents per $100 of the price (Florida Department of Revenue, documentary stamp tax)

Largest communities

Cape Coral, Lehigh Acres, Fort Myers, Bonita Springs (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $362,200. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Florida

Closings in Florida are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Florida page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Lee County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Lee County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.