As of 2026, the FHA loan limits in Sunny-Isles-Beach within Miami-Dade county, FL are set as follows: $402,500 for single-family homes, $515,250 for duplexes, $622,850 for triplexes, and $774,050 for buildings with four units.
For conventional loans, the limits are $548,250 for a single-family residence, extending to $702,000 for two units, $848,500 for three-unit properties, and $1,054,500 for four-unit homes.
Leverage our FHA calculator to access today's top FHA rates and determine the necessary downpayment, income verification, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator facilitates comparing FHA rates and terms with other loan programs. Evaluate and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® efficiently collects loan program data from thousands of lenders, comparing it swiftly to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Sunny-Isles-Beach, Miami-Dade, FL allows comparison among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage programs (HECM), and hard money maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for evaluating qualification needs such as credit, income, and reserves.
| 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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