FHA Vs. USDA loan program for Sunny-Isles-Beach, Miami-Dade County, Florida

For the year 2026, the USDA loan ceiling in Sunny-Isles-Beach, located within Miami-Dade county, FL, is $0, whereas the FHA cap is $402,500 for an individual family home.

The Lendersa® USDA loan calculator is an excellent tool to contrast the top rates of USDA against FHA programs. It also helps ascertain the qualifying income, credit, reserves, and necessary documents. With our sophisticated mortgage calculator, you can explore USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program in for your unique financial scenario.

Explore USDA and FHA Loan Opportunities in Sunny-Isles-Beach, FL

Lendersa® aims to secure the most advantageous USDA or FHA loans for you swiftly and effortlessly. Choose from three entry points to connect with lenders and available USDA loan programs.

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

Defining USDA Loans in FL

The USDA home loan, backed by the government through the Department of Agriculture, also known as the USDA rural development loan or mortgage, is solely available in rural locales. Unlike FHA loans, which mandate a minimum down payment of 3.5%, the USDA mortgage allows for a $0 down payment.

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(402) 399-5079 Lender's profile and map Reviews American National Bank 8990 W Dodge Rd, Omaha, NE, 68114 We believe in celebrating the hard work, innovation, courage, and determination of our clients, whether they're applying for a new business loan or opening up their first savings account. We get to know our clients so we can help guide them on the best path possible. We built American National Bank over 100 years ago with the same curiosity.
(402) 505-7180 Lender's profile and map Reviews Goodman Mortgage Corporation 801 N 96th St, Suite 2592, Omaha, NE, 68114 Goodman Mortgage Corporation is a locally owned and operated Mortgage Brokerage with over 30 years mortgage and lending experience. We have a personal interest in the people and families in the Nebraska and Iowa area. It has always been and always will be our community, too! We have the experience to identify.
(402) 502-6501 Lender's profile and map Reviews Finance 1 LLC 1005 S 76th St, Suite 102, Omaha, NE, 68114 Finance1 provides professional mortgage service, helping you find accurate answers to important questions regarding mortgage rates, refinancing, savings, and smart investment options. We protect your best interest, so whether it be refinancing a current mortgage or purchasing a new home, we have you covered through a quick and informative process.
(402) 504-1996 Lender's profile and map Reviews Mortgage Specialists, LLC 8420 W Dodge Rd, Suite 113, Omaha, NE, 68114 We’re a small team of mortgage professionals who understand not only how to get you approved for your mortgage—but also how the mortgage you choose affects your overall financial future. We treat your mortgage like any other investment, helping you find the right loan for your family’s individual financial situation, needs and goals
(608) 526-2265 Lender's profile and map Reviews Park Bank Holmen, La Crosse & Sparta 1200 Co Hwy DH, Holmen, WI, 54636 Park Bank first opened for business in Holmen in 1909. The first loan made was to buy corn for spring planting and our first deposit was for $300 into a savings account for a down payment on a new home. Today with offices also in La Crosse and Sparta, Park Bank still offers the same personalized service, pays the best money market rates.
4027707950 Lender's profile and map Reviews Good Life Lending PO Box 5206, Lincoln, NE, 68505 Nebraska's fix and flip lender. We are a small company located in Lincoln, NE, since we are small you will get the service you deserve. We offer 100% Rehab funding, Interest only payments, Funding in 10 days or less and Free proof of funds. Experience Opportunity: The Good Life is Waiting For You, Get the Funding You Need to Experience It.
(402) 466-4040 Lender's profile and map Reviews First Lincoln Federal Credit Union 5730 R Street, Suite A, Lincoln, NE, 68505 First Lincoln Federal Credit Union Was Originally Chartered in 1956 It was an industrial credit union consisting of members of local #156 Amalgamated Meat Cutters & Butchers Workman of North America in Lincoln, employees of the Credit Union, and immediate family members. Willard Mook was elected treasurer and took care of operations from his home
(402) 432-7118 Lender's profile and map Reviews Vault Funding Group 421 South 9th Street, Suite 117, Lincoln, NE, 68505 Vault Funding Group is a residential and commercial mortgage lending firm with its home office based in Lincoln Nebraska and branch offices located in Atlanta Georgia and Las Vegas Nevada. As a member of the business community for several years, Vault Funding Group is also a licensed, bonded mortgage brokerage firm.
(785) 738-3501 Lender's profile and map Reviews Guaranty State Bank and Trust Company 201 South Mill Street, Beloit, KS, 67420 The Guaranty State Bank & Trust Company had its beginnings during the days following the First World War. During the war times bank charters were easy to come by, and two new banks started business in Beloit. The result was five banks competing for business. We have five locations, Beloit, Jewell, Burr Oak, Esbon, & Smith Center.
(785) 738-2251 Lender's profile and map Reviews The First National Bank of Beloit 101 East Main Street, Beloit, KS, 67420 As the First National Bank of Beloit, we opened our doors for business on July 29, 1884, at the corner of Main and Mill. Five generations of service later, we are now chartered as a state bank under our new name, First Bank of Beloit. Although our “official” charter date is now August 5, 2019,
(785) 738-2224 Lender's profile and map Reviews Farmway Credit Union 200 S Hersey Avenue, Beloit, KS, 67420 A credit union is defined as "a cooperative association organized to promote thrift among its members and accumulate a fund from these savings to make needed loans to members for useful purposes at reasonable interest rates." This was the theory that started Farmway Credit Union back in 1950 and still holds true today.
(507) 765-3823 Lender's profile and map Reviews F&M Community Bank, National Association 100 Saint Anthony St North, Preston, MN, 55965 F & M Community Bank is a full-service, community-oriented bank that has been in operation since 1911. For over 100 years, we've been proud to fulfill the banking needs of local Minnesota citizens & businesses on a more personal, individualized level. Our employees who are your bank teller or your lending specialist are your neighbors & friends.