USDA and FHA Pro and Con in Bay-Harbor-Islands, Miami-Dade County, FL
In 2026, the USDA loan limit for the county of Miami-Dade in Bay-Harbor-Islands, FL is set at $0. In comparison, the FHA cap for a single-family home is $402,500.
Employ the Lendersa® USDA loan calculator to contrast today's premier USDA and FHA rates. This tool assists in identifying the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in .
2026 Loan Limits and Down Payment Needs in Bay-Harbor-Islands, Miami-Dade, FL
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Selections in Bay-Harbor-Islands, FL
Lendersa® aims to swiftly provide you with the best USDA or FHA loan without difficulty. Start from one of three options to engage with lenders and discover USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and available solely in rural districts. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans necessitate no down payment.
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