During 2026, the FHA loan limits applicable to Surfside situated in Miami-Dade, FL are as follows: $557,750 for single-family homes, $714,000 for two-unit properties, $863,100 for three-unit buildings, and $1,072,600 for four units.
Conventional loan limits for single-family residences are set at $726,200, while for properties with two units, the limit is $929,850; for three-unit homes, it's $1,123,900; and for four-unit buildings, the limit is $1,396,800.
Utilize our FHA calculator to find today’s optimal FHA rates and to calculate required downpayment, income, credit standing, reserves, and needed documents for eligibility.
The Lendersa® calculator allows you to assess FHA rates and terms alongside other loan program options. You can investigate and assess options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, in addition to hard money loans compared to FHA.
Lendersa® leverages data from thousands of lenders, swiftly matching loan programs with your individual financial profile and preferences.
The Loan Limits Comparison Table for 2026 in Surfside county, Miami-Dade, FL provides a thorough comparison of maximum loan limits across FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review and compare qualification criteria like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $557,750 | $714,000 | $863,100 | $1,072,600 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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