For the year 2026, the USDA loan limit in Miami, located in the county of Miami-Dade, in FL, has been set at $0 whereas the FHA loan restriction is $557,750 specifically for single-family homes.
Utilize the Lendersa® USDA loan calculator today to effectively compare USDA versus FHA rate options, helping you to establish the necessary income, credit standing, reserve amounts, and documentation for qualification. Our sophisticated mortgage comparison tool allows you to examine side by side the USDA, FHA, Conforming, as well as VA options, offering you clear insights to determine which program in is ultimately best suited to your distinct financial needs.
2026 Loan Limits and Down Payment Requirements in the locale of Miami, County of Miami-Dade, FL
Category of Loan
Maximum Loan Value
Initial Payment
USDA
$0
0%
FHA
$557,750
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Solutions in Miami, FL
The aim of Lendersa® is to quickly provide you with the most optimal USDA or FHA loans, simplifying the process. Begin your search at one of three entry points to align with lenders and suitable USDA loan programs.
Understanding the USDA Loan and Its Functionality in FL
The USDA home loan is effectively a loan endorsed by the government through the Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, and it is exclusively available in rural neighborhood settings. In contrast to FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage loan remarkably requires no down payment whatsoever.
Since its founding in 1986, Mortgage South has helped more than 8, 000 homeowners across Tennessee and North Georgia finance their new homes. Locally owned and operated, the firm prides itself on the reliability and accuracy of its loans. Mortgage South is also the leading originator of reverse mortgages in Tennessee,
HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval you have to depend on the best mortgage professionals.
Connvisions Capital Group provides short term financing ranging from $50,000 to $2,500,000 when traditional capital sources are unavailable, too slow or too costly. These short-term loans are used for both non owner occupied residential and income property for the purpose of acquisitions, flipping the collateral, seasoning the property for permanen
Founded in 1902, First South Bank has served the eastern and central North Carolina market for over 100 years. We have grown to thirty-two (32) full-service branch offices from Durham to Buxton and Elizabeth City to Wilmington. Banking products and services have evolved, however, the Bank’s commitment to its community has never wavered
Here at Community Partners FCU, we are dedicated to you and all your financial needs.
We've been around since 1971and with over 500 members and assets over $5 million, we strive to assist our members in receiving the best interest rates, loans, and member benefits.
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7751 Brier Creek Pkwy, Suite 100, Raleigh, NC, 27617
The mortgage process can be confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you customized options from great lenders and make sure to find the right loan for you and Our loan originators have access to a wide array of loan products, helping them.
8801 Fast Park Drive, Suite 207, Raleigh, NC, 27617
The Crossover Lending Group, Inc team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Magee Financial, LLC has been a leader in the consumer finance industry since 1955. We pride ourselves on our personal customer relations and strive to offer the best financial solution to all our customers, regardless of their financial situation. We respect our customers and offer quick, convenient and personal service.
For over 87 years First Guaranty Bank has proudly served the people of Louisiana. With today’s ever changing economy, there is one thing that will not change and that is First Guaranty Bank’s commitment to our customers. With the power to make loan decisions on a local level we have the strength to help meet the needs.
