As of 2025, the USDA loan limit in Homestead, located in the county of Miami-Dade, FL, is $0, whereas the FHA limit for a single-family home is $557,750.
To compare the best rates of today between USDA and FHA, utilize the Lendersa® USDA loan calculator. You'll discover the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, ensuring you can pick the program in that suits your financial needs.
Loan limits and downpayment requirements for 2025 in Homestead, county of Miami-Dade, FL
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$557,750
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA loans in Homestead, FL
The aim of Lendersa® is to promptly provide you with the best USDA or FHA loan options without any hassle. Choose one of three starting points to connect with compatible lenders and USDA loan options.
A USDA home loan is secured by the Department of Agriculture and often recognized as the USDA rural development loan or USDA mortgage, typically available in rural areas only. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans need no down payment at all.
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