As of 2026, the limit for USDA loans in Miami-Shores, situated in the county of Miami-Dade, FL, is $0. In contrast, the FHA limit is set at $402,500 for single-family residences.
To compare today's best USDA and FHA rates, use the Lendersa® USDA loan calculator. This will also help you determine the necessary income, credit score, reserves, and documents for qualification. Our comprehensive mortgage calculator places USDA, FHA, Conforming, and VA options side by side, enabling you to assess which program meets your specific financial needs in
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| Type of Loan | Loan Maximum | Required Down Payment |
| USDA | $0 | 0% |
| FHA | $402,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to facilitate the acquisition of an ideal USDA or FHA loan swiftly and without complications. Choose one of the three initial approaches, each designed to connect you with matching lenders and explore USDA loan packages.
The USDA home loan, endorsed by the government’s Department of Agriculture, is often referred to as the USDA rural development loan or USDA mortgage. It is exclusively available for properties in rural locales. Unlike FHA loans, which require a down payment of at least 3.5%, the USDA loan has no such requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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