FHA VS Conventional loan in South-Miami-Heights, Miami-Dade County, Florida

As of 2026, the Conventional loan cap in South-Miami-Heights, located in Miami-Dade county, FL, is limited to $647,200, whereas the FHA limit for a single-family home is set at $460,000.

Utilize the Lendersa® Conventional loan calculator to gauge present-day best rates among Conventional, FHA, and USDA loans. Determine the needed income, credit, reserves, and documentation for eligibility. Our calculator lets you view the Comparisons between Conforming Conventional loans, USDA, FHA, and VA, assisting you in choosing the ideal program in FL that fits your unique financial picture.

Review loan proposals from over a hundred lenders

2026 loan limits and required down payments in South-Miami-Heights, Miami-Dade county, FL

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

These figures are relevant for zip codes: 33177

Exploring Conventional and FHA loan options in South-Miami-Heights, FL

The mission of Lendersa® is to facilitate a swift and straightforward process in securing an optimal Conventional, USDA, or FHA loan. Choose from these three main starting points which will guide you to matching lenders and loan programs best suited for your needs.

Results of Lendersa USDA loan request and matching


South-Miami-Heights Lenders

  • PierPoint Mortgage
  • 13727 SW 152nd St #782, Miami, FL, 33177
  • Lends in Florida
  • PierPoint Mortgage originates the full spectrum of residential mortgages including conventional, FHA, VA, Rural Development, new construction, jumbo financing and is a Reverse Mortgage Specialist. If you need assistance with any mortgage produce please call 231-737-9911 or visit www.pierpointmortgage.com

  • University Credit Union-Miami
  • 13241 SW 136th Street, Miami, FL, 33186
  • Lends in Florida
  • University Credit Union was established in 1947 as the University of Miami Credit Union to serve the University of Miami faculty, staff, and alumni. In 1982 the field of membership (FOM) was expanded to include Florida International University and the name was changed to University Credit Union.

  • Baptist Health South Florida Federal Credit Union
  • 13200 SW 128th Street, Suite C1, Miami, FL, 33186
  • Lends in Florida
  • We are the full-service, not-for-profit financial institution dedicated to serving employees, students, volunteers and retirees of Baptist Health South Florida. Personalized service since 1961. As a Credit Union, we specialize in great rates, low fees and personalized service for our members.

  • Dade Mortgage Solutions LLC
  • 13590 Southwest 134th Avenue, Suite 208, Miami, FL, 33186
  • Lends in Florida
  • 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.

  • Home Trust Financial Inc
  • 13170 Southwest 128 Street, Suite 203, Miami, FL, 33186
  • Lends in Florida
  • We focus on first time home buyers, down payment assistance, refinance, FNMA Home Path, Rehabilitation Loans 203K, Foreign National, Private Lending and Commercial Loans.FHA, VA, CONV. We focus on first time home buyers, down payment assistance, refinance, FNMA Home Path, Rehabilitation Loans 203K, Foreign National,

  • Bravo Mortgage LLC
  • 12900 SW 128 St, Suite 101, Miami, FL, 33186
  • Lends in Florida
  • Bravo Mortgage LLC is a mortgage brokerage covering all of Florida and is based out of Miami-Dade county. Our loan officers work to secure the lowest mortgage rates available for you in the market.brokerage covering all of Florida and is based out of Miami-Dade county. Our loan officers work to secure the lowest risk.

  • America's Family Finance LLC
  • 14680 South West 132nd Court, Miami, FL, 33186
  • Lends in Florida
  • At America's Family Finance, our focus is always Family. We understand the importance and the milestone it is to own a home. Whether you're a first time home buyer, rookie investor, experienced investor, or even a repeat refinance customer, our goal is to provide an unparalleled experience through education/communication,

  • PROSLER CORPORATION
  • 12915 Sw 132 Street, Suite 3, Miami, FL, 33186
  • Lends in Florida
  • Prosler Corp. exists to aid the everyday South Florida consumers and businesses in dealing with the legal and financial hassles associated with mortgages. Whether you are a first time home buyer, are constructing your home, or refinancing, Prosler will use it's contacts and experience to get you great results.

  • REEL MORTGAGE SOLUTIONS, LLC
  • 13501 SW 128th Street Unit 110, Miami, FL, 33186
  • Lends in Florida
  • 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.