Explore the differences! FHA VS Conventional loan programs in Bay-Harbor-Islands, Miami-Dade County, Florida

For 2025 in Bay-Harbor-Islands, specifically within Miami-Dade county, FL, the limit for Conventional loans is set at $647,200, whereas FHA loans are capped at $460,000 for single-family residences.

Utilize the Lendersa® Conventional loan calculator to contrast today's best rates for Conventional, FHA, and USDA loans, and figure out the necessary income, credit score, reserves, and documentation to qualify. The advanced mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in selecting the most suitable program in FL for your financial needs.

Explore loan proposals from 100 different lenders

2025 loan limits and down payment criteria in Bay-Harbor-Islands, Miami-Dade county, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $0 0%
FHA $460,000 3.5%

This comparison table pertains to zip codes: 33154

Exploring Conventional and FHA loan opportunities in Bay-Harbor-Islands, FL

The mission of Lendersa® is to secure the optimal Conventional, USDA, or FHA loan quickly and with minimal stress. Choose from three beginning points resulting in matched lenders and loan offerings.

Lendersa USDA loan request and matching results


  • Rinaldi Group LLC
  • 1 W 3rd St, Suite 203, Media, PA, 19063
  • The singular mission for the Rinaldi Group LLC is to be a difference-maker for families in the community. Its our promise to always lead with listening, focus and understanding of our client’s goals by structuring a strategic plan based on those goals. Rinaldi Group LLC was established in October of 2020.
  • Professional Mortgage Advisors LLC
  • 14 South Jackson Street, Suite 102, Media, PA, 19063
  • Professional Mortgage Advisors (PMA NMLS#1752417) has taken off under the expert guidance of Robert McLaughlin, a 20+ year mortgage industry professional. Based in Media, PA, PMA looks to be different than your average mortgage company. While some companies look to fit you into their products, PMA wants to find the product that suits YOU.
  • Wayne Bank
  • 145 W Main St, Cambridge City, IN, 47327
  • Founded in 1882, Wayne Bank and Trust Co. is a well-established, reputable community bank, serving Wayne County, Indiana for over 130 years. As Indiana’s oldest family owned bank, Wayne Bank has successfully served its clientele for over a century by maintaining the core values of providing the finest personal banking services,
  • New Cumberland Federal Credit Union
  • 345 Lewisberry Road, New Cumberland, PA, 17070
  • NCFCU is a full-service, not-for-profit, member-owned financial institution. Unlike profit-driven banks that benefit only a small number of stockholders, we return excess earnings to all of our members in the form of lower interest rates for loans, higher yields on savings and investment accounts, and by adding new financial products and services.
  • Austin Bank
  • 200 E Commerce, Jacksonville, TX, 75766
  • Austin Bank has been serving East Texas since 1900. While we have grown to serve more locations and adapted new technology, our dedication to serving you, our customers, has remained the same since. If you would like to learn more about who we are at Austin Bank, we invite you to click on any of the links below so you can see
  • Alcoa Pittsburgh Federal Credit Union
  • 30 Isabella Street, Suite 100, Pittsburgh, PA, 15212
  • Alcoa Pittsburgh FCU is a member owned not-for-profit financial cooperative. Unlike other financial institutions that need to generate profit to satisfy stockholders, we judge our success based on member satisfaction. Accordingly, we return earnings to our members through competitive dividend rates.
  • SSB Bank
  • 2470 California Avenue, Pittsburgh, PA, 15212
  • SSB has been Pittsburgh's choice for local personal and business banking since 1922. SSB Bank is excited to serve Pittsburgh’s McCandless and North Side communities. Please stop in or call our friendly staff members to find out how you can benefit and save money as part of the SSB Bank family.
  • Mortgage and Title Solutions LLC
  • 2737 Stones Bay Drive, Greenwood, IN, 46143
  • Mortgage and Title Solutions Enjoys working with a lending professional who truly cares about getting the results they deserve. That personal commitment is backed by a depth of experience that’s rare in the lending industry today. To catch just a glimpse of the expertise you’ll have on your side.
  • Nest Mortgage Group.
  • 200 Byrd Way, Suite 145, Greenwood, IN, 46143
  • We’re a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending.We have access to a full range of mortgage sources & all of our lending specialists are dedicated to finding the right loan-with the best rates terms & costs-to meet your unique needs
  • Lancaster Red Rose Credit Union
  • 16 E Main Street, Leola, PA, 17540
  • The Lancaster Red Rose Credit Union’s mission is to exceed the needs of our members by providing reliable, quality financial services that will improve the lives of those we serve. Our vision at Lancaster Red Rose Credit Union is to grow membership through community outreach, education, and reliable financial services.
  • The First Central National Bank of St. Paris
  • 103 S. Springfield St., Saint Paris, OH, 43072
  • The First Central National Bank is an independent community bank In St. Paris Ohio, serving our community since 1880. Our bank offers a full line of financial products and services ranging from traditional, interest bearing checking and savings accounts to modern day conveniences such as Direct Deposit
  • Guardian Angel Mortgage Services, Inc
  • 4819 East Trindle Road, Mechanicsburg, PA, 17050
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.