FHA VS Conventional loan programs in Key-Biscayne, Miami-Dade County, Florida

In 2025, Convetional loan limit in Key-Biscayne, 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.

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2025 loan limits and downpayment requirments in Key-Biscayne, 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: 33149

Conventional and FHA loan options in Key-Biscayne, 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


  • CLASSIC HOME MORTGAGE, INC.
  • 1904 Indian Lake Drive, Birmingham, AL, 35244
  • Classic Home Mortgage was established in 2009. The owners had a vision of simplifying the mortgage process and putting the customers first. Erin Tatum, now sole owner) had worked at several other mortgage companies and saw the flaws in their systems and saw the lack of communication and service to the customers.
  • Lowery Financial LLC
  • 6116 North Tryon Street, Suite B, Charlotte, NC, 28213
  • 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.
  • Lane Lending Inc
  • 5736 North Tryon Street, Suite 201E, Charlotte, NC, 28213
  • Lane Lending Inc. is a mortgage brokerage based in Charlotte, NC. Licensed in NC and SC, we specialize in offering residential lending solutions for purchase and refinance transactions. With access to hundreds of lenders and programs, Lane Lending Inc. ensures you feel confident that you will always get the best rate.
  • Rabun County Bank
  • 121 Rickman St, Clayton, GA, 30525
  • Rabun County Bank is a hometown bank with a strong commitment to exceeding our customer’s expectations. We want to be the best. Our customers want to bank with the best. Our employees want to work for the best. Our shareholders want to own a part of the best. We will strive to be the best in all that we do.
  • Georgia Power Northwest Federal Credit Union
  • 906 North Broad Street SE, Rome, GA, 30161
  • (GPNWFCU) was chartered in 1935 as Georgia Power Rome Division Employees Credit Union, exclusively servicing Georgia Power employees working in the Rome, Georgia area. In the late 90’s, we changed our name to Georgia Power Northwest Federal Credit Union and sought out addition Select Employee Groups.
  • BEKA Federal Credit Union
  • 301 Darlington Drive, Rome, GA, 30161
  • BEKA Federal Credit Union was chartered in 1974 with our sponsor being Bekaert Corporation. We are member-owned, one sponsor financial institution that exists for the purpose of serving our members best interests. The Credit Union is small in nature and offers basic services for savings and loans.
  • SouthPoint Bank
  • 3501 Grandview Parkway, Birmingham, AL, 35243
  • SouthPoint Bank was launched in October 2005 by former SouthTrust Corporation executives. Steve Smith, currently Chairman, President and Chief Executive Officer got the idea of opening a Bank when the former SouthTrust Bank was purchased by Charlotte-based Wachovia Corporation in June of 2004.
  • Liberty Mortgage Corporation
  • 200 Williamsburg Office Park, Birmingham, AL, 35216
  • At Liberty Mortgage Corporation, we have developed long-term working relationships with realtors, builders, attorneys, accountants, appraisers, financial planners, commercial bankers and other professionals that make up the mortgage industry. We receive many referrals from these industry professionals,
  • Method Mortgage, LLC
  • 601 Vestavia Parkway, Suite 300, Birmingham, AL, 35216
  • Method Mortgage, formerly Principal Mortgage, was founded in Birmingham, Alabama in January 2007. Our work is dedicated to helping people achieve the dream of living in a home that they love and can afford. Whether you are purchasing or refinancing, we know mortgages are an important part of that process.
  • First National Bank of Picayune
  • 121 East Canal Street, Picayune, MS, 39466
  • First National Bank of Picayune was founded in September 1947 to serve the residents of Pearl River County. It is the only local bank headquartered in Picayune, Mississippi. In addition to the Main branch located on East Canal Street, the bank has three branches in Picayune, West Canal, North, and South branches. West Canal branch was opened in 196
  • Power Mortgage
  • 500 W Canal St, Picayune, MS, 39466
  • POWER Mortgage is a division of Weststar Mortgage Corporation, a New Mexico company founded in 1983. Weststar is a direct lender that specializes in tailoring lending solutions that traditional lenders and banks consider outside the box. Weststar currently services over $2 Billion in mortgages, is a GNMA Issuer,