FHA VS Conventional loan in Miami-Lakes, Miami-Dade County, Florida

In 2025, Convetional loan limit in Miami-Lakes, 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 Miami-Lakes, 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: 33014, 33016, 33018, 33002

Conventional and FHA loan options in Miami-Lakes, 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


  • Estar Mortgage
  • 2413 Webb Ave, Suite E, Alameda, CA, 94501
  • Whether you are a first time home buyer or looking for a reverse mortgage, EstaR Mortgage is here to help you accomplish your home mortgage goals. With 17 years of experience in the East Bay, EstaR is your trusted mortgage broker for Oakland, Alameda, San Leandro and beyond. We are licensed in California, Oregon, and Washington.
  • Guaranteed Rate
  • 1400 Shattuck Ave Suite 1, Berkeley, CA, 94709
  • Guaranteed Rate trusted local lender familiar with local market dynamics, Dianne Crosby is a Top Producing mortgage lender and Certified Mortgage Planning Specialist at Guaranteed Rate, closing over $100 million annually for her clients in the East Bay. With access to the low interest rates of a large mortgage bank.
  • Mardel Realty & Loans Inc.
  • 614 Silver Maple Dr, Hercules, CA, 94547
  • Mardel Realty & Loans Inc. team, Doris de Leon is the professional you want to work with if you are looking for someone that goes above and beyond serving your real estate and mortgage needs. Doris will assist you with all Bay Area real estate needs. Doris will also assist you in all your mortgage needs
  • Fishman Financial Group, Inc.
  • 1604 Solano Ave, Albany, CA, 94707
  • Fishman Financial Group works to build relationships through honest and reliable service and by employing strong ethical practices. We consider the relationships we have with our clients and with realtors our most important assets. Since 1990, we at Fishman Financial Group, Inc have provided our clients with real estate financing for homes
  • Oak Leaf Funding
  • 1580 Solano Avenue, Suite D, Albany, CA, 94707
  • Oak Leaf Funding is committed to maintaining the personal relationship business model upon which Wahid and Charley built Oak Leaf Funding.We understand that relationships are the heart of our business and that trusted partners are needed at every stage of the transaction. We make sure that Oak Leaf Funding clients are treated with the utmost care.
  • F.E. Forbes Company Inc.
  • 1795 Solano Ave., Berkeley, CA, 94707
  • F.E. Forbes Company is a real estate investment management and private money mortgage lender located in Berkeley, California. Founded in 1921 by Frank E. Forbes, the Third generation Company specializes in the origination of both residential and commercial loans secured by Northern California real estate.
  • Cooperative Center FCU
  • 3015 San Pablo Ave, Berkeley, CA, 94702
  • At Cooperative Center FCU being part of the cooperative movement is, quite literally, baked into our DNA. As a Certified Minority Depository and Community Development Financial Institution our mission is to serve the underserved and unbanked/underbanked in the communities, Alameda and West Contra Costa Counties, our field of membership work or live
  • Crestline Financial Inc.
  • 320 Arkansas Street, Vallejo, CA, 94590
  • "Crestline Financial Inc The home loan process can be an intimidating one, especially for first time home buyers or those who may have been turned down by other companies. Crestline Financial has a professional and courteous staff who is prepared to assist you through each phase of the lending process."
  • Spinner Mortgage
  • 205 DeAnza Blvd, Suite 269, San Mateo, CA, 94402
  • At Spinner Mortgage we treat every loan as if it were our own. Whether it’s a loan for an investment property, a construction loan, cash for college tuition, remodeling, or a first-time homebuyer’s mortgage, each situation is carefully evaluated and addressed in detail. The result is a loan custom-tailored to meet specific needs.
  • Bay Mark Realty
  • 177 Bovet Road, Suite 100, San Mateo, CA, 94402
  • BayMark Financial, Inc. is a small, but efficient, full service mortgage brokerage firm located in the heart of the San Francisco Peninsula, specializing in the origination and servicing of short-term Trust Deed Notes. BayMark Financial is a real estate broker licensed by the California Bureau of Real Estate.
  • Simons & Company
  • 177 Bovet Road, Suite 600, San Mateo, CA, 94402
  • SIMONS & COMPANY 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.