USDA and FHA Pro and Con in Bal-Harbour, Miami-Dade County, FL
For the year 2025, 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 fits your specific financial needs.
Loan Limits and Down Payment Requirements in Bal-Harbour, Miami-Dade, FL for 2025
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Bal-Harbour, FL
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.
As a credit union, we are a not-for-profit, member-owned, financial cooperative. Being not-for-profit means our goal is to return as much as possible to our members in the form of better interest rates, lower fees, and innovative services. In addition, we have taken a minimal branch strategy, which keeps our costs down.
550 S. Wadsworth Blvd, Suite 301, Denver, CO, 80226
We are a direct lender, which means we can sell directly to the bigger banks or directly to Fannie Mae, Freddie Mac, and Ginnie Mae. This means that we can work without restrictions of other bank overlays creating fewer needed items and a smoother process. We do everything ‘in house’; processing, underwriting, and closing.
7500 W Mississippi Ave, Unit B-122, Denver, CO, 80226
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
215 South Wadsworth Blvd, Suite 215, Lakewood, CO, 80226
Chariot Financial With over 16 years experience in the mortgage industry, we are committed to providing exceptional customer service, the very best pricing, and products available for our clients. Colorado owned and operated, we are here to assist with all your mortgage needs and also Zach P Smith is the founder of the Mortgage company
550 S. Wadsworth Blvd, Suite 301, Denver, CO, 80226
Our mission is to guide you through the entire home loan process, so that you feel comfortable as you make choices about many options available for your home financing. Your home is one of the largest financial commitments that you will make during your lifetime. Unibell’s licensed mortgage brokers are highly experienced professionals
Lockstep, our team of Mortgage Brokers are creative experts ready to help you navigate the mortgage process smoothly. With all the worries that come with buying or refinancing a home, we have the experience, knowledge, and flexibility to get you to the finish line without any road bumps
At BestRates Mortgage, where we specialize in residential mortgages. At BestRates Mortgage, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
North Metro Mortgage Inc is a small mortgage broker focusing on their home town areas of Northglenn, Thornton, Westminster and Broomfield. Our experts specialize in loan programs for the North Denver Suburbs. Our team has over 50 years combined experience to guide you through the entire process.
