In 2026, the FHA loan cap in Naranja county of Miami-Dade, FL is $557,750 for single-family homes. For 2-unit properties, it is set at $714,000, for 3-units at $863,100, and for 4-units, the maximum is $1,072,600.
Concerning conventional loans, the maximum allowed on a single-family home is $726,200. For 2-units, the cap is $929,850, for 3-units it’s $1,123,900, and it reaches $1,396,800 for 4-unit buildings.
Our FHA calculator can be used to identify the best FHA rates of the day, and calculate downpayment, income, credit requirements, reserves, and needed documents for qualifying.
With Lendersa® calculator, compare FHA rate and terms with other programs. Investigate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Drawing from thousands of lenders, Lendersa® rapidly compares loan data to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in the Naranja county of Miami-Dade, FL, systematically compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualifications like income, reserves, and credit, use 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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