In the year 2026, the FHA loan limits for properties in West-Perrine county, within Miami-Dade, FL, are established as follows: for a single-family home, the limit is $402,500; for 2-unit buildings, it's $515,250; for 3-unit structures, the limit is $622,850; and for 4-unit residences, it reaches $774,050.
The ceiling for conventional loans on a single-family property is set at $548,250. As for multifamily residences, the limits are: $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for four-unit homes.
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Utilize the Lendersa® calculator to systematically compare the rates and terms of FHA loans with those of other loan programs. Engage in a thorough exploration and comparison of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
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The Loan Limits Comparison Table for 2026 in West-Perrine county within Miami-Dade, FL, offers insights into the maximum loan amounts for various types of loans, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Compare qualification criteria such as income, reserve funds, and credit scores with the help of Lendersa® Super Loan Integrated Qualifier (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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