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

In 2025, Convetional loan limit in Cutler-Bay, county of Miami-Dade, FL is $647,200 while FHA limit is $460,000 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in FL is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Cutler-Bay, county of Miami-Dade, FL

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

The comparison table applies to zip codes: 33190, 33157, 33189

Conventional and FHA loan options in Cutler-Bay, FL

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Majestic Mortgage Services Incorporated
  • 3520 Brookside Rd, Suite 171, Stockton, CA, 95219
  • At Majestic Mortgage Services, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Central Coast Home Loans, Inc.
  • 7901 San Miguel Canyon Road, Salinas, CA, 93907
  • For over 25 years, Central Coast Home Loans has been a mortgage planning team committed to staying educated and innovative in the Mortgage Industry. Central Coast Home Loans brings this experience and knowledge to help our clients meet their short term and long term financial goals.
  • Client 1st Mortgage
  • 5777 Madison Avenue, Suite 605, Sacramento, CA, 95841
  • Client 1st Mortgage strives to provide all of the qualities that people look for in a mortgage company. We treat each customer as an individual. Not as a number.We operate under a strict code of ethics and values aimed at building long-term customer trust and loyalty. We use a “common sense” approach and will help you.
  • Patron Mortgage
  • 4829 Argyle Ln, Sacramento, CA, 95841
  • Patron Mortgage is a California Mortgage Company working with borrowers throughout California. I am a senior loan officer and real estate broker with over ten years experience. I can assist you with home purchase loans, refinancing, reverse mortgages, ITIN loans, land loans, construction loans, hard money loans,
  • First U.S. Community Credit Union
  • 580 University Avenue, Sacramento, CA, 95826
  • First U.S. has been making a difference in the financial lives of our members with affordable loans, generous savings programs and friendly, personal service full line of savings options, loan solutions and decades of home financing experience, First U.S. has the products and services you need to achieve your goals.
  • Golden 1 Credit Union
  • 8945 Cal Center Dr, Sacramento, CA, 95826
  • The Golden 1 Credit Union aims to be #1 in the Gold Rush State. One of the largest credit unions in California, and among the top 10 in the US, the member-owned organization serves communities in central and northern parts of the state through 80-plus branches; nearly half of which in the Sacramento area. The Golden 1 has assets in excess
  • California Capital Mortgage Company
  • 401 Watt Avenue, Suite 5, Sacramento, CA, 95864
  • California Capital Mortgage Company was founded in 2008 and continues to grow and develop year after year. At California Capital, we have a dedicated team and we love what we do; this dedication permeates into every part of our company, enabling us to do everything efficiently from providing the highest level of customer service
  • City Center Financial
  • 3626 Fair Oaks Blvd, Suite 100, Sacramento, CA, 95864
  • The City Center Financial team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. Our Mortgage Advisors here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • CalStateLender, Inc.
  • 530 La Sierra Drive, Sacramento, CA, 95864
  • "CalStateLender, Inc. is a Local Mortgage Brokerage located in Sacramento California. Started by industry veteran Sean Safholm to offer more options for local home buyers with super competitive rates & fees. The Mortgage Broker industry is seeing tremendous grown in the recent years as smart consumers learn that the Broker can offer the same mon
  • Pacific Wholesale Mortgage
  • 7412 Elsie Avenue, Suite 300, Sacramento, CA, 95828
  • Pacific Wholesale Mortgage is structured as a multi-level marketing company, otherwise referred to as an "MLM". This structure is designed to let you be our marketing and sales force. Instead of spending thousands of dollars on standard advertising methods, we pay you to share Pacific Wholesale Mortgage products with others.
  • Elite Norcal Corporation
  • 7412 Elsie Avenue, Sacramento, CA, 95828
  • Elite Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.