As of 2026, the FHA loan limits for Miami-Dade county in Palmetto-Bay, FL, are detailed as follows: $402,500 for single-family homes, $515,250 for duplexes, $622,850 for triplexes, and $774,050 for four-unit buildings.
Conversely, conventional loan caps for single-family residences stand at $548,250. For a duplex, the maximum is $702,000; for triplexes, it is $848,500; and for four-unit residences, it is $1,054,500.
Utilize our FHA calculator to access today’s optimal FHA rates and to determine downpayment, income, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator is instrumental in comparing FHA rates and terms with those of various other loan programs. Compare FHA options with Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly compiles data from numerous lenders, comparing it to your financial profile and needs in mere seconds.
The Loan Limits Comparison Table for 2026 in Palmetto-Bay within Miami-Dade, FL, allows for comparison of max loan amounts across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs like income, reserves, and credit, use 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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