For the year 2026, the USDA loan limit in Bal-Harbour, found within Miami-Dade county, FL, is $0. In contrast, the FHA limit for a single-family home in the same area is $402,500.
Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates and identify the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan options side by side, making it easier to decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to efficiently secure the best USDA or FHA loan for you, without unnecessary hassle. Choose one of three pathways to connect with matching lenders and discover USDA loan programs tailored to your needs.
A USDA home loan, backed by the government's Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is accessible only in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, offering a more accessible financial solution for eligible buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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