In 2026, FHA loan limits for West-Miami county in Miami-Dade, FL, are $402,500 for single-family homes, $515,250 for 2-units, $622,850 for 3-units, and $774,050 for 4-units.
The maximum for conventional loans on a single-family home is $548,250, with amounts of $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to explore current FHA rates and determine downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms alongside other loan programs. Evaluate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® quickly compares data from thousands of lenders against your unique financial needs.
The Loan Limits Comparison Table for 2026 in West-Miami county, Miami-Dade, FL, shows maximums for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Analyze qualifications like income, reserves, and credit using Lendersa® 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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