For 2026, the USDA loan cap in Cutler-Bay, part of Miami-Dade county, FL, is $0. The FHA limit for a single-family home is $402,500.
Utilize the Lendersa® USDA loan calculator to contrast today's best rates between USDA and FHA. Determine the income, credit requirements, reserves, and documents needed for eligibility. Using our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA loan options side by side to choose the best program for your unique financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $0 | 0% | |
| FHA | $402,500 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is dedicated to swiftly providing you with the ideal USDA or FHA loans without complication. Choose one of three pathways to connect with lenders and discover suitable USDA loan programs.
A USDA home loan, secured by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is exclusively for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages mandate no down payment at all, making them a viable choice for eligible rural applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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