USDA and FHA Pro and Con in Three-Lakes, Miami-Dade County, FL

In 2025, the USDA loan limit for a single-family home in Three-Lakes, located in the county of Miami-Dade, FL, is $0, while the FHA limit is $402,500.

Utilize the Lendersa® USDA loan calculator today to compare the most favorable USDA and FHA rates. You can determine the income, credit status, reserves, and necessary documents for qualification. Our comprehensive mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options to help you find the best program for your finances in .

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2025 loan limits and down payment requirements in Three-Lakes, Miami-Dade, FL

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

Available USDA and FHA loan alternatives in Three-Lakes, FL

At Lendersa®, our goal is to secure the best possible USDA or FHA loan for you swiftly and without stress. Choose one of three different starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding a USDA Loan in FL

A USDA home loan, backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Differing from FHA loans, which need a minimum of 3.5% down payment, the USDA mortgage requires no down payment whatsoever.

Enter your location to find out if it qualifies for USDA rural housing loan?



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