FHA Vs. USDA loan program for Palmetto-Bay, Miami-Dade County, Florida

In 2026, the USDA loan limit for Palmetto-Bay, located in Miami-Dade county, FL is set at $0, whereas the FHA loan limit for a single-family home is $402,500.

By using the Lendersa® USDA loan calculator, you can compare the most current USDA vs. FHA rates, and evaluate the necessary income, credit, reserves, and documentation needed for eligibility. Our advanced mortgage calculator positions USDA, FHA, Conforming, and VA options side by side, providing guidance on which program in suits your financial needs best.

Exploring USDA and FHA Loan Options in Palmetto-Bay, FL

Lendersa®'s mission is to promptly provide you with the most favorable USDA or FHA loan without any hassle. Choose one of three starting pathways leading to suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in FL

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and available only in rural areas. Unlike FHA loans, which require a 3.5% down payment minimum, USDA loans do not require any.

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Palmetto-Bay Lenders
(305) 234-0800 Lender's profile and map Beacon Financial Resource Group Inc 14510 South West 77 Court, Palmetto Bay, FL, 33158 Lends in Florida Beacon Financial Resource Group, Inc. is a licensed Florida mortgage broker located in Miami-Dade County. We are family-owned and offer a hands-on approach to serving your residential and commercial mortgage financing needs. With over 28 years of lending experience, we have built a business
(305) 592-7733 Lender's profile and map MPS Credit Union 2190 NW 72 Avenue, Miami, FL, 33156 Lends in Florida MPS Credit Union was created in 1928 when a small group of postal workers got together and opened the credit union doors for business. In January 1930 the credit union was chartered under the state charter as Miami Postal Service Credit Union. At MPS Credit Union, each voice is heard since it is our job to see that we are offering.
(305) 995-5800 Lender's profile and map Eastern National Bank 9700 South Dixie Highway, Suite 710, Miami, FL, 33156 Lends in Florida Providing tailored banking services, and financial solutions, to our local communities and global markets, since 1969. Our history, of supporting individuals, entrepreneurs, businesses, and banks, in South Florida, and Latin America, has helped shape our communities, and our future, while protecting our customers, and shareholders.
(305) 870-0370 Lender's profile and map Foreclosure Prevention 8950 SW 74 court, Suite 2201, Miami, FL, 33156 Lends in Florida Henry Diez Owner at Quality Service Realty, IncQuality Service Realty was founded in 1995 to provide you with the best quality of service in real estate. With 16 years of helping hundreds of families and with countless closed transactions we have the experience and knowledge to help you achieve your real estate goals.
(305) 447-7823 Lender's profile and map Thomas D. Wood and Company 9100 South Dadeland Boulevard, Suite 700, Miami, FL, 33156 Lends in Florida Thomas D. Wood and Company is a privately held real estate investment banking firm specializing in Florida’s commercial and Multi-family real estate capital markets. Founded in 1987 by Thomas D Wood Sr. and Thomas D Wood Jr, the company has become one of Florida’s premiere real estate lenders
(844) 562-6795 Lender's profile and map Jaxen Mortgage Group LLC 8950 SW 74 Court, Miami, FL, 33156 Lends in Florida At JAXEN MORTGAGE GROUP LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(786) 271-1862 Lender's profile and map Sun Home Loans 7375 SW 90 Street, Miami, FL, 33156 Lends in Florida I offer my clients the best possible rates and lowest closing costs in the business. Working with over 20 wholesale national lenders allows me to compete with any bank or on-line lender. Our home loans are designed to fit your needs. I've been in in the Mortgage industry for over 25 years
(305) 803-2323 Lender's profile and map True Mortgage Lending LLC 9100 S. Dadeland Blvd., Suite 1500, Miami, FL, 33156 Lends in Florida Miriam Gilmore is the Broker/Owner of True Mortgage Lending LLC. True Mortgage Lending is a boutique mortgage brokerage service domestic and foreign clients with a vast array of loan products & guidance through the process. Broker/Owner of True Mortgage Lending LLC. True Mortgage Lending is a boutique mortgage brokerage service domestic & foreign
(305) 234-2588 Lender's profile and map Attorney's Mortgage 12384 SW 82nd Avenue, Pinecrest, FL, 33156 Lends in Florida Attorneys’ Mortgage Plus Inc. specializes in providing the highest level information possible for our clients. We work closely with our borrowers to achieve the best financing alternatives in the market that our available to our clients. With open and transparent pricing we pride ourselves in providing accurate information.