In 2026, the FHA loan limits for Homestead county within Miami-Dade, FL are set as follows: $557,750 for a single-family dwelling, $714,000 for duplexes, $863,100 for triplexes, and $1,072,600 for four-unit properties.
As for conventional loans, the maximum borrowing amount is $726,200 for single-family homes, $929,850 for two-unit homes, $1,123,900 for three-unit homes, and $1,396,800 for four-unit homes.
To see the best FHA rates today and find out about the downpayment, income, credit score, reserves, and necessary documents for eligibility, try our FHA calculator.
The Lendersa® calculator lets you evaluate FHA rates and terms alongside other loan program options. You can explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA terms.
Lendersa® quickly sorts through program data from thousands of lenders to match offerings to your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Homestead county of Miami-Dade, FL helps you evaluate maximum loan amounts across various types like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare requirements such as income, reserves, and credit using Lendersa®'s 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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