USDA Vs. FHA your options comparison in Miami-Shores, Miami-Dade County, FL

In 2025, USDA loan limit in Miami-Shores, county of Miami-Dade, FL is $0 while FHA limit is $402,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Miami-Shores, county of Miami-Dade, FL

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

USDA and FHA loan options in Miami-Shores, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Peoples National Bank of Checotah
  • 300 W Gentry, Checotah, OK, 74426
  • Peoples National Bank is headquartered in Checotah OK at the intersection of Interstate 40 and US Highway 69 on Lake Eufaula. PNB takes pride in having served our community since 1911.The main office of PNB is located at 300 West Gentry with our drive-in facility at 310 North Broadway in Checotah.
  • Fort Worth Community Credit Union
  • 1905 Forest Ridge Drive, Bedford, TX, 76021
  • FTWCCU is not-for-profit and exists to provide a safe, convenient place for members to save money and receive loans at reasonable rates. At FTWCCU, we believe that meeting the needs of our member-owners, our employees, and the community is fundamental to fulfilling our mission, which states: To be the best choice for friendly and competitive.
  • Caltex Funding LP
  • 1600 Airport Freeway, Suite 200, Bedford, TX, 76022
  • Caltex Funding has been serving Texans since 2006. We help you find the best loan to fit your needs. We specialize in Purchase and Refinance transactions. We arrange FHA, VA, Conventional and Rural Housing loans. Unlike big banks that have order takers helping you with your loan, we have highly skilled loan consultants.
  • Efinity Mortgage
  • 1901 Central Drive, Suite 612, Bedford, TX, 76021
  • The Efinity Group family is focused on Changing The Way Consumers view Financial Services. As a privately held firm, our staff is not beholden to sell or push a single line of products. Whether seeking home or auto insurance, seeking financial planning or needing to finance a home,
  • Provost Capital
  • 2 Aspetuck Glen, Weston, CT, 06883
  • Provost Capital LLC is a direct private lender making loans to fund the purchase of real estate properties by investors looking to rehab either as a Fix&Flip or a Fix&Rent. With a deep and committed pool of investor capital, Provost is able to make quick and efficient loan decisions, provide proof of funds letters & fund purchases with A very s
  • First State Bank of Bloomington
  • 204 North Prospect Road, Bloomington, IL, 61704
  • First State Bank of Bloomington is unique because we’re 100% employee-owned. If that sounds uncommon, it’s because our ownership structure is extremely rare. In fact, industry analysts have estimated that fewer than 10 banks across the country have a similar structure to ours.We have the attitude & the commitment to make you financially successful.
  • Mid-Illini Credit Union
  • 1811 Eastland Dr, Bloomington, IL, 61704
  • Established in 1940, Mid-Illini Credit Union evolved from a handful of employee credit unions that joined together to provide top-rate financial services to thousands of local residents. We’re now over 7, 000 members strong and growing… MICU is a not-for-profit, member-owned financial cooperative, not a corporation
  • Team USA Mortgage
  • 1709 Tullamore Ave, Suite D, Bloomington, IL, 61704
  • "Team USA Mortgage is a national mortgage company offering retail mortgages and employment opportunities for qualified groups and individuals. Team USA Mortgage is committed to serving customers in all licensed states. Our core values of Honesty, Integrity, and Transparency flow from the corporate office