Explore the differences! FHA VS Conventional loan programs in Miami, Miami-Dade County, Florida
In 2026, the conventional loan limit for a single-family home in Miami, located in Miami-Dade county, FL, is $726,200. The FHA limit, by contrast, is $557,750.
Utilize the Lendersa® Conventional loan calculator to compare today's leading rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans to help you choose the ideal program for your financial situation in FL.
Loan Limits and Down Payment Requirements for 2026 in Miami, County of Miami-Dade, FL
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$0
0%
FHA
$557,750
3.5%
This table is applicable for the following zip codes: 33129
Explore Conventional and FHA Loan Options in Miami, FL
Lendersa® aims to quickly connect you with the best available Conventional, USDA, or FHA loan options with ease. Choose from one of three starting points to match you with suitable lenders and loan programs.
Brickell Park Capital is a commercial real estate investment company. We utilize our deep relationships and originate debt, mezzanine and preferred equity for select clients. Our investment strategy is to deploy patient capital and thoughtful execution in all of our projects improving lives and communities in which we invest.
Plazio is focused on providing a good experience to their clients by following through on their word, being open and transparent throughout the loan process, and creating meaningful relationships. Helping those seeking loans to choose the correct product as well as completing and processing the loan application.
Miami Federal Credit Union has been serving Federal, State, Municipal, Dade County, City of Miami government employees and their family members in Miami -Dade, Broward, Monroe, and Palm Beach Counties since 1954. With a high rating from the NCUA, the credit unions’ regulatory agency.
LendComet is a mortgage broker based out of Miami, FL. We assist home buyers in getting some of the best rates for mortgage loans and also ReFinancing opportunities. Our priority is making the loan application process simple and easy. We are here for you every step of the way. We've been helping customers afford the home
Brickell Capital Finance has been offering financial solutions to various businesses nationwide for over 15 years and with thousands of clients. We are committed to serving the needs of each and every one of our clients including those with little or troubled credit history by providing the best financial solutions available.
home.loans, we’re committed to helping educate consumers about the FHA 203b lending process. So, whether you’re a first-time homebuyer, or you’re looking to refinance your second or third home, we want to provide you the easiest-to-understand, most thorough guide on the internet about the 203b loan program.
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.
The Mortgage Veterans LLC was founded by Steven Abramson, a seasoned mortgage professional since 2010. After years of working in the mortgage industry, Steven realized there was an enormous disservice being done to the consumer. He was tired of putting consumers in loans that may not have been the best fit for them, but it was all he could offer.
LV Lending is a Miami-based private lender focused on business and investment mortgage loans on residential and commercial land acquisitions and properties. The company has a current servicing portfolio of $200 million and has overseen more than 500 transactions for $400 million in Florida and Georgia. Founded in 2015,
