USDA Vs. FHA Pro and Con comparison in Golden-Glades, Miami-Dade County, FL

In 2026, the USDA loan limit for Golden-Glades, located within Miami-Dade county of FL, is $0. In contrast, the FHA limit for a single-family home is $402,500.

Use the Lendersa® USDA loan calculator to assess the top USDA versus FHA rates today. Identify income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you choose the ideal program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Golden-Glades, Miami-Dade, FL

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $402,500 3.5%
Conventional Conforming $548,250 3%

Discover USDA and FHA Loan Options in Golden-Glades, FL

Lendersa® seeks to connect you with the best USDA or FHA loan quickly and without hassle. Begin with one of three pathways leading to matching lenders who offer USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

A USDA home loan, endorsed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available specifically in rural areas. Unlike FHA loans that demand a 3.5% minimum down payment, USDA loans require none.

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



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  • SSEFCU is a member-owned financial cooperative providing financial banking services to multiple employee groups, but primarily serves select state, and local government employees. Membership is also open to immediate family of current members. We offer banking services like savings, checking, and loan accounts; with great rates and lower fees
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