For 2026, FHA loan limits in North-Miami-Beach county, Miami-Dade, FL are $402,500 for a single-family home, $515,250 for a duplex, $622,850 for a triplex, and $774,050 for four units.
Conventional loans have a maximum of $548,250 for single-family homes, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Try our FHA calculator to access the top FHA rates today, and determine downpayment, income, credit reserve, and necessary documents to qualify.
With the Lendersa® calculator, compare FHA loan rates and terms against those from Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® uses data from thousands of lenders to swiftly match it with your personal financial profile.
The Loan Limits Comparison Table for 2026 in North-Miami-Beach, Miami-Dade, FL provides comparisons among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare income, reserves, and credit requirements.
| 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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