Explore the differences! FHA VS Conventional loan programs in Sunny-Isles-Beach, Miami-Dade County, Florida

For the year 2025, the conventional loan limit in Sunny-Isles-Beach, within Miami-Dade county of FL, is set at $647,200. Meanwhile, the FHA limit for a single-family home stands at $460,000.

Employ the Lendersa® Conventional loan calculator to compare the leading rates today across Conventional, FHA, and USDA. Assess the necessary income, credit, reserves, and documentation for qualification. With our sophisticated mortgage calculator, examine side-by-side the Conforming Conventional, USDA, FHA, and VA options to decide which is the best fit for your financial situation in FL.

Compare loan offers from a pool of 100 lenders

2025 Loan Limits and Down Payment Requirements in Sunny-Isles-Beach, Miami-Dade County, FL

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

This table applies to the zip codes: 33160

Exploring Conventional and FHA Loan Options in Sunny-Isles-Beach, FL

The main aim of Lendersa® is to swiftly provide you with the most suitable Conventional, USDA, or FHA loan without complications. Select from one of three approaches, each aligning with matching lenders and loan programs tailored to your needs.

Lendersa USDA loan request and matching results


  • First National Bank of GA
  • 819 E Shotwell St, Bainbridge, GA, 39819
  • First National Bank is a full-service, independent and locally owned bank. First National Bank of Decatur County was organized in 2004 by a group of local businessmen and community leaders who share a personal stake in the future of our community. The founders of First National Bank wanted something better for the place they called home.
  • The Kristoff Team
  • 181 Bluffton Road, Suite F-102, Bluffton, SC, 29910
  • The Kristoff Team has been lending locally in Hilton Head Island and Bluffton since 1989. We have worked with thousands of clients and received numerous top producer awards by lending $3 billion over our combined 50 years. Our philosophy is simply, “say what you mean, mean what you say, and do what you say you’re going to do.”
  • Mortgage Lending Associates
  • 23 Anchor Cove Court, Bluffton, SC, 29910
  • Finance. Jason has been in the mortgage industry since 2001 and founded Mortgage Lending Associates in 2003. He is an experienced and knowledgeable mortgage executive, he has personally funded over 100 million in residential loans. Outside of mortgage lending Jason enjoys running, playing basketball and spending time with his two children
  • Southwest Georgia Farm Credit
  • 305 Colquitt Highway, Bainbridge, GA, 39817
  • Farm Credit has been serving rural America for more than 100 years. Right here in southwest Georgia, we work side-by-side with farmers, farm businesses, land owners and homeowners. And because we’re a cooperative, your success means our success. Together, we grow. Southwest Georgia Farm Credit is part of the Farm Credit System
  • Bank Of Camilla
  • 50 E. Broad St, Camilla, GA, 31730
  • The Bank of Camilla was established more than 125 years ago as the first bank in Mitchell County. The bank was chartered on November 4, 1889, and began business on January 2, 1890, in the first brick building in Camilla, known for many years as "Bennett Hall." The founding fathers and first directors of the bank were T. R. Bennett.
  • Colony Bank
  • 115 S Grant St, Fitzgerald, GA, 31750
  • Colony Bankcorp, Inc., with assets of $2.4 billion, is the Bank holding company for Colony Bank. Founded in 1975 and headquartered in Fitzgerald, Georgia, Colony operates 29 locations throughout Georgia. Colony offers personal and business services, and also has specialty divisions to meet the needs of its customers.
  • The Claxton Bank
  • 121 West Main Street, Claxton, GA, 30417
  • At The Claxton Bank, we've seen many changes in Evans County. But through it all, one thing has remained the same, the way we do business. Now, just as it was back then, we are committed to helping our customers manage their "todays" and find their place in tomorrow. Indeed, the more things change, the more they stay the same.
  • Savannah River Mortgage
  • 613 Towne Park Dr W, Suite 104, Rincon, GA, 31326
  • Savannah River Mortgage was established on June 9, 2003. Owned and operated by Chriss Allen and Scott Morgan, our local brokerage company is dedicated to providing dependable mortgage assistance to our clients in Georgia. We offer a variety of mortgage options and programs to individuals purchasing or refinancing loans.
  • Oglethorpe Mortgage Company, Inc.
  • 272 S Columbia Ave, Rincon, GA, 31326
  • Oglethorpe Mortgage Company, Inc. 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.
  • Walton Funding
  • 12805 US Highway 98 E, Suite E201, Inlet Beach, FL, 32461
  • Walton Funding was formed with the intent of bringing our borrowers the most favorable lending terms available in the market. We specialize in finding solutions that don't meet standard agency criteria. Our qualified borrowers have transparent access to wholesale rates, giving them some of the best rates available in the industry.
  • Bay Credit Union
  • 601 N Highway 231, Panama City, FL, 32405
  • Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.