For 2026, the FHA loan limit in Westchester, within the county of Miami-Dade, FL, is established at $557,750 for a single-family home. Two-unit residences can reach $714,000, three-unit properties have a limit of $863,100, and four-unit structures cap at $1,072,600.
The highest loan amounts for conventional loans are $726,200 for single-family homes, $929,850 for two-unit houses, $1,123,900 for three-unit residences, and $1,396,800 for properties with four units.
Employ our FHA calculator to uncover today’s competitive FHA rates and calculate the needed downpayment, income level, credit score, reserves, and documents for qualification.
With the Lendersa® calculator, you can evaluate FHA rates and terms alongside other loan program options, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, providing a broad comparison.
Lendersa® gathers comprehensive loan data from thousands of lenders, efficiently matching it to your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Westchester within Miami-Dade, FL, enables examination of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualification aspects like income, reserves, and credit, utilize 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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