USDA VS FHA in Richmond-Heights, Miami-Dade County, FL
For 2026, in Richmond-Heights, Miami-Dade County, FL, the USDA loan limit is set at $0, while the FHA limit for a single-family home reaches $402,500.
Try the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the needed income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side to assist you in selecting the most suitable program for your financial scenario in Alabama.
2026 Loan Limits and Down Payment Requirements in Richmond-Heights, Miami-Dade, FL
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
Discover USDA and FHA Loan Options in Richmond-Heights, FL
Lendersa® aims to promptly secure you the best possible USDA or FHA loan without hassle. Start with one of three paths leading to matching lenders and compatible USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, often known as a USDA rural development loan or USDA mortgage. It's exclusively for rural areas. In contrast to FHA loans that require a minimum down payment of 3.5%, USDA loans require none at all.
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