In the year 2026, within the county of Miami-Dade in South-Miami-Heights, FL, the FHA loan limit is established at $402,500 for single-family homes. For duplexes, the limit is $515,250, for triplexes it is $622,850, and for four-unit properties, the cap is $774,050.
The highest allowable loan amounts for conventional loans stand at $548,250 for single-family residences, $702,000 for two-unit buildings, $848,500 for three-unit properties, and $1,054,500 for homes with four units.
Our FHA calculator can help you discover today’s top FHA rates and determine the needed downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator facilitates comparisons of FHA rates and terms against other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers extensive data from thousands of lenders, efficiently matching it to your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in South-Miami-Heights, Miami-Dade, FL allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirements like income, reserves, and credit.
| 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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