FHA VS Conventional loan in Cutler-Bay, Miami-Dade County, Florida

For the year 2025, within Cutler-Bay, located in the county of Miami-Dade, FL, the set limit for conventional loans is $647,200. Meanwhile, the FHA limit applicable for a single-family home is $460,000.

Use the Lendersa® Conventional loan calculator to explore today's premier rates for Conventional versus FHA versus USDA loans. It helps determine necessary income, credit score, reserves, and documentation for qualification. With our sophisticated mortgage calculator, compare Conforming Conventional loans, USDA, FHA, and VA side by side, allowing you to select the ideal program in FL that fits your financial needs.

Compare loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Cutler-Bay, Miami-Dade, FL

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

The comparison table is relevant for the zip codes: 33190, 33157, 33189

Conventional and FHA Loan Opportunities in Cutler-Bay, FL

The ambition of Lendersa® is to swiftly secure you the best possible Conventional, USDA, or FHA loan with ease and efficiency. Choose one of the three starting points to find matching lenders and loan programs tailored for you.

Lendersa USDA loan request and matching results


  • The Loan Pros Team Inc
  • 5793 NorthWest 151st Street, Unit 5793B, Miami Lakes, FL, 33014
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Dream House Mortgage
  • 15500 New Barn Road, Suite 102, Miami Lakes, FL, 33014
  • Dream house mortgage primary focus is to serve our customers with exceptional customer service, competitive products, programs, and pricing. We pride ourselves on the highest level of service and will be there every step of the way throughout the loan process. We can assist you with qualifying and obtaining the mortgage plan best suited
  • Itwins Financial Inc
  • 7565 West 14th Avenue, Hialeah, FL, 33014
  • ITWINS Financial inc treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • SIMPLE HOME LOANS INC
  • 5801 NW 151 St Suite 306, Hialeah, FL, 33014
  • Simple Home Loans Founded in 2020 and simple home is a mortgage brokerage based out of Miami Lakes, FL. Our management has a combined industry experience of over 50 years, The company has over 50 wholesale lenders relationship, giving its clients access to virtually every possible loan program.
  • Top Class Mortgage, Inc
  • 1125 NE 125 Street suite 300-8, Miami, FL, 33161
  • Top Class Mortgage Inc is a professional mortgage lending and brokering firm. We offer a wide range of loan options and mortgage services to homebuyers, investors and builders. We are license in Florida and Georgia, and we speak English and Creole. Your wealth fare and satisfaction are our priority.
  • Rate Leaf, Inc.
  • 999 NE 125th St, Miami, FL, 33161
  • Rate Leaf helps you buy homes the right way: simply and directly. We believe that the home-buying process should be free of hidden fees, roadblocks, and predatory rates. What we offer instead is a way for you to reclaim your community through the most important purchase of your life.
  • Clear Sky Lending, INC.
  • 99353 Overseas Highway, Suite 12, Key Largo, FL, 33037
  • Clear Sky Lending, Inc. is a full-service mortgage company based in Key Largo, Florida. We specialize in FHA & VA Loans, Conventional Home Loans, Jumbo Home Loans, in all of Florida. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
  • LC Lending Inc
  • 1680 North East 125 Street, Miami, FL, 33181
  • LC Lending is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you.
  • Crown Funding LLC
  • 13899 Biscayne Blvd, Ph 10, Miami, FL, 33181
  • 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.
  • Equity Lending Solutions - Private Lender
  • 12000 Biscayne Blvd, Suite 504, Miami, FL, 33181
  • We are a Miami-based private money lender providing investment property loans in many states. We specialize in asset-backed loans with an easy, quick loan application process. We pride ourselves with having the shortest closing and most efficient closings in the market (5 days).
  • Premier Financial Services Inc.
  • 5931 NW 173 Drive, Unit 9, Hialeah, FL, 33015
  • 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 and your family from the many mortgage options that are available today.