For the year 2026, the FHA loan limits in Goulds county of Miami-Dade, FL, are set as follows: a single-family home can borrow up to $557,750. For 2-unit properties, the limit is $714,000; for 3-units, it's $863,100; and for 4-unit homes, the maximum is $1,072,600.
The maximum borrowing amount for conventional loans on a single-family residence is $726,200. This increases to $929,850 for properties with 2-units, $1,123,900 for those with 3-units, and $1,396,800 for homes with 4-units.
Our FHA calculator can help you explore today’s best FHA rates, and assess the necessary downpayment, income, credit, reserves, and documents required for qualification.
With the Lendersa® calculator, you have the ability to compare FHA rates and terms with those of other loan programs. Delve into comparisons of FHA alongside Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects loan program data from thousands of lenders, quickly matching and comparing it against your specific financial profile and needs, all within seconds.
The Loan Limits Comparison Table for 2026 provides a detailed look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans in Goulds county, Miami-Dade, FL. For a comprehensive comparison of qualification requirements like income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $557,750 | $714,000 | $863,100 | $1,072,600 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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