In 2026, the loan limit set by the USDA for a single-family dwelling in Surfside, within the county of Miami-Dade, FL is $0. In contrast, the FHA imposes a limit of $557,750 for similar properties.
Utilize Lendersa®'s specialized USDA loan calculator to conduct a thorough comparison between the current USDA and FHA best rates. This tool allows you to evaluate the income requirements, credit score, reserves, and necessary documentation needed to qualify. Featuring our sophisticated mortgage calculator, you can compare side by side the USDA, FHA, Conforming, and VA loan options, ultimately assisting you in determining which financing program within
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| Type of Loan | Limit on Loan | Mandatory Down Payment |
| USDA | $0 | 0% |
| FHA | $557,750 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The ambition of Lendersa® is to swiftly provide you with the most favorable USDA or FHA loans, conveniently and with minimal hassle. Begin by choosing one of the three pathways that lead to discovering matching lenders and suitable USDA loan programs tailored to your needs.
The USDA home loan, officially supported by the U.S. Department of Agriculture, is commonly referred to as the USDA rural development loan or USDA mortgage. This government-guaranteed loan is exclusive to rural neighborhoods. Unlike FHA loans necessitating a down payment of at least 3.5%, the USDA mortgage does not require any down payment at all, making it an appealing option for eligible borrowers in rural areas seeking homeownership with minimized upfront financial commitments.
Enter your location to find out if it qualifies for USDA rural housing loan?
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