In 2026, FHA loan limits in Miami-Beach county of Miami-Dade, FL are $402,500 for single-family homes, $515,250 for 2-units, $622,850 for 3-units, and $774,050 for 4-units.
The maximum amount for conventional loans on a single-family residence is $548,250, increasing to $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to find today’s top FHA rates and figure out the downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows comparison of FHA rates and all other loan program rates and terms. Explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in contrast with FHA.
Lendersa® retrieves loan program data from thousands of lenders, rapidly aligning it with your individual financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Miami-Beach county of Miami-Dade, FL helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification metrics such as income, reserves, and credit, use 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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