USDA and FHA Pro and Con in Miami-Beach, Miami-Dade County, FL
In 2026, the USDA loan limit in Miami-Beach, part of the county of Miami-Dade, FL, is $0. Meanwhile, the FHA limit for a single-family home is set at $402,500.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. This tool aids in determining the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program in for your specific financial circumstances.
2026 Loan Limits and Down Payment Requirements in Miami-Beach, County of Miami-Dade, FL
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Miami-Beach, FL
The main objective of Lendersa® is to help you obtain the best USDA or FHA loan quickly and efficiently. Begin with one of three approaches to connect with the ideal lenders and find USDA loan programs that fit your needs.
A USDA home loan, also called a USDA rural development loan or a USDA mortgage, is backed by the U.S. Department of Agriculture and is available solely in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment at all.
960 W.41St Street, Suite 212, Miami Beach, FL, 33140
Lends in Florida
Ross Home Loans is a Miami Mortgage Company that offers residential and commercial Florida mortgage products. We work with homeowners, first time buyers and business owners who have strong, good and challenged credit. Ross Home Loans is dedicated to providing you with exceptional rates and quality service.
We provide traditional mortgages to purchase or refinance your property in Florida, but we are also specialists in complicated loans, such as condo financing, self-employed borrowers, foreign nationals, stated income loans for investors, first time homebuyers and all types of up and coming mortgage financing available.
300 71st Street, Suite 445, Miami Beach, FL, 33141
Lends in Florida
Southeast Bankers Mortgage Corporation is committed to providing our clients with the best financial services and solutions in Florida. We pride ourselves on helping clients take their first steps into homeownership and guiding them to find the lowest rates available on the market.
The Mortgage Calculator is a licensed Mortgage Lender specializing in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation!
Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote t
Greenbox Capital is a direct funder in the merchant cash advance industry providing small businesses access to much needed working capital through merchant cash advances, invoice factoring and short-term small business loans. As a technology-driven alternative lender, Greenbox Capital’s enterprise solution, The Box, stands head and shoulders above
2915 Biscayne Blvd, Suite 300-14B, Miami, FL, 33137
Lends in Florida
The LJC Mortgage Corp 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.
We are committed to offering qualified borrowers the lowest mortgage rate and the best, most reliable customer service. Our mission is to serve our customers with honesty, integrity, and competence while providing them with home mortgage loans with the lowest interest rates and closing costs possible.
4141 Northeast 2nd Avenue, Suite 204a, Miami, FL, 33137
Lends in Florida
CMG Capital is a highly reputable correspondent lender, licensed in Florida and Colorado, and backed by some of the largest wholesale institutions in the industry, as well as by capital from around the globe. We have an outstanding mortgage platform that makes us a superior alternative too many other mortgage companies in the area.
We are a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending... from purchase to refinance, and now we even offer an in house Title Company to assist with closing We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan.
