USDA VS FHA in Florida-City, Miami-Dade County, FL

In 2025, the USDA loan limit in Florida-City, within Miami-Dade county of FL, is $0, whereas the FHA limit for a single-family home is $402,500.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide on the right program in to fit your financial needs.

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Loan Limits and Down Payment Guidelines for 2025 in Florida-City, 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 Options in Florida-City, FL

Lendersa®'s mission is to provide you with the optimal USDA or FHA loan quickly and without hassle. Choose one of three options that lead to matching lenders and USDA loan programs.

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What is a USDA Loan in FL?

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that necessitate at least a 3.5% down payment, the USDA mortgage requires none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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