FHA VS Conventional loan programs in 2025 for Surfside, Miami-Dade County, Florida

In 2025, within Surfside, in the county of Miami-Dade, FL, the Conventional loan maximum is set at $726,200, whereas the limit for FHA loans is $557,750 for a single-family unit.

Utilize the Lendersa® Conventional loan calculator to evaluate today's best rates between Conventional, FHA, and USDA loans. Determine necessary income, creditworthiness, reserves, and documentation to qualify. Use our comprehensive mortgage calculator to view Conforming Conventional, USDA, FHA, and VA loans alongside each other, aiding you in choosing the most fitting program in FL for your financial circumstances.

Evaluate loan propositions from a pool of 100 lenders

2025 Loan Limits and Down Payment Needs in Surfside, Miami-Dade County, FL

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $0 0%
FHA $557,750 3.5%

This table is relevant for ZIP codes: 33154

Available Options for Conventional and FHA Loans in Surfside, FL

The mission of Lendersa® is to efficiently secure the best possible Conventional, USDA, or FHA loan. You can begin from one of three starting points, leading to matched lenders and suitable loan options.

Results from Lendersa USDA loan requests


  • American Trust & Savings Bank
  • 309 McKinley Avenue, Lowden, IA, 52255
  • American Trust & Savings Bank is a bank with operations in one state. American Trust & Savings Bank offers numerous mortgage programs including conventional, FHA, FHA 203(k), VA, USDA and construction mortgages. American Trust & Savings Bank is a FREEandCLEAR Certified Gold Low Rate Lender and Technology All Star.
  • Empower Credit Union
  • 10635 W Greenfield Avenue, West Allis, WI, 53214
  • Empower Credit Union is here to provide financial services and products that educate, prepare, and empower our members and the community we serve. Our financial institution was originally incorporated as the “Employees Mutual Savings Building and Loan Association” (EMSBLA) on April 12, 1914.
  • Mount Baker Mortgage Company LLC
  • 1007 South 73rd Street, West Allis, WI, 53214
  • We are a mortgage broker servicing the entire state of Washington. We manage the process for you by applying for loans with different lenders, finding competitive interest rates and negotiating loan terms. Our designated broker has nearly 20 years of residential lending experience and we will work hard to find the best fit for your scenario.
  • Commonwealth Mortgage
  • 98 High Street, Danvers, MA, 01923
  • Commonwealth Mortgage NewFED™ Mortgage Corporation is not the only way to get your home financed, but it should be. We treat each customer the way we would like to be treated. We have great support and sales staff who want to prove to you that we can get the job done each and every time you need financing.
  • New Fed Mortgage Corp.
  • 98 High Street, Danvers, MA, 01923
  • NewFED Mortgage Corporation is not the only way to get your home financed, but it should be! Call us Old Fashioned but we treat each customer the way we would like to be treated. We have great support and sales staff who want to prove you made the right decision by choosing us for your financing needs.
  • Universal Capital
  • 10 Liberty Street, Danvers, MA, 01923
  • niversal Capital was established in 2010 by an experienced team of mortgage banking professionals. We provide time-sensitive interim and bridge financing using non-owner occupied residential and commercial real estate as collateral. We are a direct lender utilizing our own capital as our funding source. We internally underwrite our loans allowing u
  • Savings Bank of Walpole
  • 68 Ames Plaza Ln, Walpole, NH, 03608
  • Savings Bank of Walpole is a state chartered mutual savings bank insured by the Federal Deposit Insurance Corporation (FDIC). We are a financial institution like no other in our market, a financial institution without a shareholder, a mutual bank. Here today, and prepared for tomorrow. Providing the best in banking values — we are your advocat
  • First Financial Bankshares
  • 400 Pine Street, Abilene, TX, 79601
  • Since 1890, First Financial has been serving the financial needs of customers just like you. Not just through good times, but during difficult years too. We survived the Great Depression, the collapse of the Texas economy in the 1980s, and the Great Recession. Throughout it all, we remain a place of stability and trust for our customers.
  • Citizens State Bank of Lena
  • 102 W. Main Street, Lena, IL, 61048
  • At Citizens State Bank, we are committed to being your full service, independent, locally-owned community bank. Our customers rely on our expertise, professional staff and diverse products and services, many of which can be customized to suit your specific needs. All business decisions are made locally by people who live and work where you do.
  • Brewery Credit Union
  • 1351 Dr Martin Luther King Jr Drive, Milwaukee, WI, 53212
  • Brewery Credit Union (BCU) offers the same commitment to our members since we chartered in 1934 as Brewery Workers Credit Union. The Brewery Workers Union Local 9, represented the many breweries and malting companies in Milwaukee, was the original home of the Brewery Workers Credit Union
  • Joonago Mortgage Services
  • 7700 West Bluemound Road, Wauwatosa, WI, 53213
  • At Joonago Mortgage, our number one focus is using all of our resources to create the best possible customer experience. After all, purchasing a home is one of the biggest decisions you will make. We have worked hard to be able to provide some of the best rates, the fastest turn around times, and the most user-friendly experience available.