In 2026, the FHA loan cap for a single-family home in Key-Biscayne county, located in Miami-Dade, FL, amounts to $402,500. For 2-unit properties, the limit is $515,250, for 3-units it’s $622,850, and for 4-unit residences, it stands at $774,050.
Regarding conventional loans, the maximum allowable amount for single-family homes is $548,250. For duplexes, it's $702,000; for triplexes, it's set at $848,500; and for four-unit buildings, you’re looking at $1,054,500.
To determine the top FHA rates available today and understand the necessary down payment, income, credit score, reserves, plus required documentation for eligibility, try our FHA calculator.
The Lendersa® calculator allows comparisons of FHA rate and terms alongside various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly analyzes loan data from thousands of lenders against your specific financial situation and needs, offering comparisons in an instant.
For 2026 in Key-Biscayne county of Miami-Dade, FL, our Loan Limits Comparison Table allows you to compare the highest loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria such as income, reserves, and credit, utilize 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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