In 2026, the FHA loan limits in Cutler-Bay county of Miami-Dade, FL, are set at $402,500 for a single-family residence, $515,250 for two-unit homes, $622,850 for properties with three units, and $774,050 for four units.
The maximum loan amount available for conventional loans on a single-family residence is $548,250. For two units, it is $702,000, for three-unit structures, $848,500, and for four-unit structures, $1,054,500.
Utilize our FHA calculator to discover today's premier FHA rates and determine the necessary downpayment, income requirements, credit, reserves, and documents needed for approval.
The Lendersa® calculator allows you to compare FHA rates and terms against other loan programs, including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans. Explore these options alongside FHA offerings.
Lendersa® compiles loan program data from numerous lenders, swiftly matching it with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cutler-Bay county of Miami-Dade, FL, provides a comprehensive look at maximum loan amounts offered by FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) for comparing qualification standards regarding 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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