In 2025, the FHA loan limits set for Miami county in Miami-Dade, FL are: a single-family home is allowed up to $557,750. For two-unit properties, the limit is $714,000; for three-unit residences, it extends to $863,100, and for four-unit homes, it reaches $1,072,600.
Conventional loans on single-family residences have a maximum loan limit of $726,200. Two-unit properties can secure loans up to $929,850, with three units capped at $1,123,900 and four-unit structures at $1,396,800.
Utilize our FHA calculator to explore today’s competitive FHA rates and determine what downpayment, income, credit, reserves, and documentation are required for qualification.
The Lendersa® calculator provides a means to compare FHA rates and terms with those from all other loan programs. Explore, compare, and decide between options like conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA conditions.
By accumulating data from thousands of lenders, Lendersa® performs instantaneous comparisons matched to your distinct financial profile and needs.
The Loan Limits Comparison Table for 2025 in Miami county, Miami-Dade, FL, facilitates comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans' maximum amounts. Also, assess qualification requirements—such as income, reserves, and credit levels—using 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 |
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
