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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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