In 2026, FHA loan limits for Biscayne-Park county, Miami-Dade, FL are set as follows: $402,500 for a single-family home, $515,250 for 2-unit properties, $622,850 for 3-units, and $774,050 for 4-units.
Conventional loan maximums for a single-family residence are $548,250. For two units, it’s $702,000, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to see today’s top FHA rates and assess the downpayment, necessary income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows you to assess FHA rates & terms against other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® retrieves loan program data from thousands of lenders and quickly aligns it with your unique financial profile and needs.
The 2026 Loan Limits Comparison Table for Biscayne-Park county, Miami-Dade, FL offers a comprehensive comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To examine qualification criteria, including income, reserves, and credit requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $402,500 | $515,250 | $622,850 | $774,050 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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