For 2026, the FHA loan limits within South-Miami county of Miami-Dade, FL are as follows: $402,500 for a single-family home, $515,250 for 2-units, $622,850 for 3-units, and $774,050 for 4-units.
The maximum amount available under conventional loans for a single-family home is $548,250. For 2-units, it's $702,000, for 3-units the max is $848,500, and for 4-units it reaches $1,054,500.
Utilize our FHA calculator to explore today’s leading FHA rates, and assess what downpayment, income, credit, reserves, and documents are necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Engage in an exploration of Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money options alongside FHA.
Lendersa® rapidly processes loan program data from thousands of lenders, matching it to your financial profile and specific needs almost instantaneously.
Our Loan Limits Comparison Table for 2026 in South-Miami county, Miami-Dade, FL, offers detailed insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualifications such as 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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