In 2026, the FHA loan limits in Miami-Shores county of Miami-Dade, FL, are as follows: for a single-family home, it's $402,500; for 2-unit residences, it's set at $515,250; for 3-units, the cap is $622,850; and for 4-units, the limit reaches $774,050.
Regarding conventional loans, the maximum amount for a single-family residence is $548,250. For homes with 2-units, it rises to $702,000, $848,500 for 3-units, and it tops out at $1,054,500 for 4-units.
Use our FHA calculator to check today’s best FHA rates and determine necessary downpayment, income, credit reserves, and the documents required for qualification.
The Lendersa® calculator allows comparisons between FHA rates and terms and those of other loans. Investigate and compare Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® collects loan program data from thousands of lenders, providing rapid comparisons tailored to your unique financial profile and needs.
For 2026 in Miami-Shores county, Miami-Dade, FL, our Loan Limits Comparison Table provides a detailed analysis of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification 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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