In 2026, the FHA loan limits in Miami-Springs county of Miami-Dade, FL, are set at $402,500 for a single-family home, $515,250 for duplexes, $622,850 for triplexes, and $774,050 for four-unit homes.
The highest amount for conventional loans on a single-family residence is $548,250, with $702,000 for two-units, $848,500 for three-units, and $1,054,500 for four-units.
Use our FHA calculator to find today's top FHA rates and determine the necessary down payment, income levels, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA loan rates and terms with those of other programs. Look into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
Lendersa® collects loan data from thousands of lenders and quickly matches it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Miami-Springs within Miami-Dade, FL, shows the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification needs like income, reserves, and credit, try 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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