In 2026, 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 2026 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 |
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