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

In 2025, USDA loan limit in North-Miami, 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 North-Miami, 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 North-Miami, 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?



  • Alba-Golden Federal Credit Union
  • 140 South Broadway Street, Alba, TX, 75410
  • Alba-Golden Federal Credit Union has as its mission, the responsibility for providing an efficient, effective and well managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Alba-Golden Federal Credit Union will continue a sound yet progressive asset management strategy.
  • Commercial Bank of Texas, N.A.
  • 7463 US-69, Alba, TX, 75410
  • Commercial Bank of Texas is solidly positioned to enter its second century of providing successful banking practices predicated on sound and prudent operating standards. Currently, CBTx has over 150 employees in eight communities and the bank's Board of Directors and Officers are personally involved in the communities they serve.
  • Farmers State Bank
  • 1690 East Main Street, Ashland, OH, 44805
  • In 1909, F.L. Berry and John Wiley founded The Farmers Bank. Six years later, The Farmers State Bank of West Salem was organized and incorporated. Original directors included F.L. Berry, W.H. Horst, N.W. Zimmerman, J.H. Wiley, J.A. Hines, W.S. Zehner, O.B. Dreibelbis, J.L. Van Evera and S.A. Read. The Farmers State Bank continued to expand
  • First Bank NJ
  • 2465 Kuser Road, Suite 101, Hamilton, NJ, 08690
  • First Bank is all about returning to banking basics. As a locally-owned and operated community bank, we pride ourselves on great customer service that is highly personalized, efficient and responsive to local needs. On April 23, 2007, First Bank commenced operations at its office at 1229 South Black Horse Pike in Williamstown, NJ.
  • Mercer County NJ Teachers' Federal Credit Union
  • 2271 Highway 33, Suite 108, Trenton, NJ, 08690
  • Mercer County NJ Teachers’ Federal Credit Union (MCNJTFCU) is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services and delivering them professionally and courteously. Unlike other financial institutions that need to generate profits to satisfy stockholders.
  • The Peoples Bank Co.
  • 112-14 West Main Street, Coldwater, OH, 45828
  • Banking had its beginning in Coldwater of 1902. Henry C. Fox, Anthony Rathweg, and H. F. Hoffman started a partnership and opened a bank under the name of The Peoples Bank. It was located at the corner of South First and Main Streets. This partnership was so prosperous that in 1905 they decided to form a corporation.
  • Shenango China Area Federal Credit Union
  • 2656 Ellwood Road, Suite 1, New Castle, PA, 16101
  • SCA Federal Credit Union, formerly known as Shenango China Area FCU, was established in 1935. We currently have 2450 members. We have one office located at 2656 Ellwood Road, Suite 1, New Castle, PA 16101. SCA Federal Credit Union has a dedicated Board of Directors consisting of volunteers elected by the members.
  • New Castle Bellco Federal Credit Union
  • 1011 Wilmington Avenue, New Castle, PA, 16101
  • New Castle Bellco Federal Credit Union is a federally charted, not-for-profit, full service financial institution that is member owned and controlled through a board of directors. The voluntary board is elected by the membership to establish credit union policies and is responsible for the safe and sound operation of the credit union.
  • GNC Community Federal Credit Union
  • 201 South Jefferson Street, New Castle, PA, 16101
  • GNC Community FCU is a strong financial institution with assets of over $ 70, 000, 000 and in many aspects has exceeded the financial norms of and to become a very strong organization. We rank high within our peers in many areas. GNC is a member of the Shenango Valley Chapter of Credit Unions which incorporates over 10 credit unions.