During 2025, 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 2025 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
