In 2026, the FHA loan limit for Miami-Dade county within Miami-Lakes, FL is set at $402,500 for single-family homes, $515,250 for two-unit residences, $622,850 for three-unit properties, and $774,050 for four-unit structures.
The maximum allowable amounts for conventional loans are $548,250 on single-family homes, $702,000 for two-unit dwellings, $848,500 for three-unit homes, and $1,054,500 for four-unit buildings.
Our FHA calculator can be used to find today’s best FHA rates and to assess the necessary downpayment, income requirements, credit score, reserves, and documentation for qualifying.
Using the Lendersa® calculator, you can compare FHA rates and terms against those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This comprehensive assessment facilitates informed decision-making.
Lendersa® acquires detailed loan data from numerous lenders, providing timely comparisons with your specific financial situation and preferences.
The Loan Limits Comparison Table for 2026 in Miami-Lakes within Miami-Dade, FL, covers the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough exploration of qualifying requirements like 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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