In 2026, the FHA loan limits within Florida-City county of Miami-Dade, FL are established as follows: $402,500 for single-family homes, $515,250 for 2-unit structures, $622,850 for 3-units, and $774,050 for 4-unit residences.
The cap for conventional loan amounts on a single-family dwelling is $548,250. For 2-units, it is $702,000; for 3-units, $848,500; and for 4-units, it reaches $1,054,500.
Use our FHA calculator to discover the best FHA rates today, and determine necessary downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator allows a comparison of FHA rates and terms with other loan programs. Delve into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA alternatives.
Lendersa® accesses loan data from thousands of lenders and, within seconds, aligns it with your unique financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Florida-City county of Miami-Dade, FL, provides a side-by-side analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To evaluate qualifications such as income, reserves, and credit, rely on 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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