In 2026, the FHA loan limits in Coral-Gables county of Miami-Dade, FL are designated as $402,500 for a single-family home, $515,250 for 2-unit dwellings, $622,850 for 3-unit buildings, and $774,050 for those with 4 units.
For conventional loans, the maximum available amounts are $548,250 for single-family homes, increasing to $702,000 for two units, $848,500 for three, and $1,054,500 for four-unit properties.
Use our FHA calculator to find today’s best FHA rates and assess the required downpayment, income, credit standards, reserves, and documents necessary for qualification.
With Lendersa®'s calculator, you can compare FHA rates and terms with those from other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Analyze these options alongside FHA terms.
Lendersa® pulls loan program data from a vast array of lenders, evaluating it against your unique financial profile for optimal recommendations.
The Loan Limits Comparison Table for 2026 in Coral-Gables county of Miami-Dade, FL, provides comparative insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. Use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) to compare criteria such as income, reserves, and credit.
| 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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