As of 2026, the FHA loan limits in Richmond-West within Miami-Dade, FL are $402,500 for a single-family home, $515,250 for properties with two units, $622,850 for those with three units, and $774,050 for four-unit dwellings.
For conventional loans, the maximum loan amounts are set at $548,250 for single-family homes, $702,000 for two-unit structures, $848,500 for three-unit buildings, and $1,054,500 for four-unit residences.
To calculate today's leading FHA rates and determine required downpayment, income, credit, reserves, and document needs, employ our FHA calculator.
The Lendersa® calculator assists you in evaluating FHA terms and rates compared to other available loan programs. Consider Conventional loans, Jumbo offerings, VA, USDA, Non-QM, and hard money loans, alongside FHA options for comprehensive comparisons.
Lendersa® compiles extensive loan program data from numerous lenders across the market, efficiently juxtaposing it with your personalized financial profile and requirements.
Within the 2026 Loan Limits Comparison Table for Richmond-West in Miami-Dade, FL, assess the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification details such as income, reserves, and credit requirements, 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 |
|
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
