In 2026, the FHA loan limit for Richmond-Heights county in Miami-Dade, FL, is set at $402,500 for a single-family home. For 2-units, the limit extends to $515,250, whereas, for homes with 3-units, it is $622,850, and for 4-units, the maximum is $774,050.
For conventional loans, the highest amount permissible for a single-family residence is $548,250. For properties with 2-units, it's $702,000, for 3-units the limit is $848,500, reaching up to $1,054,500 for 4-units.
Our FHA calculator is a valuable tool to discover today's best FHA rates and determine the necessary downpayment, income, credit scores, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against various other loan programs. Investigate Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® utilizes extensive loan data from thousands of lenders, promptly aligning it with your financial profile and specific needs.
In Richmond-Heights county of Miami-Dade, FL, for 2026, our Loan Limits Comparison Table offers detailed comparisons of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To review qualification requirements including 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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