USDA and FHA Pro and Con in University-Park, Miami-Dade County, FL
For the year 2026, the USDA loan ceiling in University-Park, situated in the county of Miami-Dade, FL, is $285,000, whereas for an FHA loan, the limit for a single-family home is $402,500.
Lendersa® provides a USDA loan calculator for you to compare the best rates of USDA and FHA loans available today. It helps you understand the income, credit requirements, reserves, and necessary documents for eligibility. Our sophisticated mortgage calculator presents the USDA, FHA, Conforming, and VA loans in parallel, aiding you in selecting the best option for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in University-Park, County of Miami-Dade, FL
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$402,500
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in University-Park, FL
The mission of Lendersa® is to secure the best possible USDA or FHA loan for you swiftly and effortlessly. Choose from one of three starting points that lead you to matched lenders and suitable USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture—often called a USDA rural development loan or mortgage—and is available solely in rural communities. This contrasts with FHA loans, which require at least a 3.5% down payment, while a USDA loan needs no down payment at all.
Granada Mortgage is a subsidiary of Capital International Financial, Inc. With over thirty 35 years of experience in providing loans, service, and expertise to home-buyers, Capital International Financial upholds an enduring presence in the lending community. By strategically meeting the ups and downs of the real estate and financial markets
Amerant Bank, N.A., one of the largest community banks headquartered in Florida, is a wholly-owned subsidiary of Amerant Bancorp Inc. (NASDAQ: AMTB and AMTBB).
For over 40 years, the Bank has developed strong community relationships, always adapting to our customers' lives and specific needs, in a dynamic and positive way.
Intercredit Bank, N.A. is a Florida-based bank founded in 1992 as a result of the purchase of a Miami community bank. We are a full service commercial and consumer financial institution providing high quality banking services to our clientele. The Bank is a National Association supervised by the Office of the Comptroller of the Currency.
City National Bank of Florida (CNBFL) is the financial institution to which Floridians have turned for 75 years. With more than $20 billion in assets, CNBFL is one of the largest financial institutions based in the state. City National Bank of Florida is a subsidiary of Chilean bank, Banco de Credito e Inversiones (Bci).
400 University Drive, 3rd Floor, Coral Gables, FL, 33134
Founded in 1984, Home Financing Center is the largest independently owned and operated mortgage lender in South Florida. Our company has focused on providing exceptional service to customers – through the ups and downs of the nation’s real estate cycle – and we continue to grow our share of the market.
The Tabares team has more than 45 years of experience combined, in assisting clients with homeownership. With licensed loan officers that are approved to work with the Down Payment Assistance for First Time Home Buyer in South Florida. We specialize in home loans, especially First Time Home Buyers.
MAC Financial Group LLC. is a full-service Florida mortgage broker. MAC originates loans through various channels and transaction types. Specializing in a variety of loan programs for purchase and refinance such as conforming, jumbo, and government products. MAC is led by a senior management team that consists of mortgage banking professionals.
147 Alhambra Circle, Suite 131, Coral Gables, FL, 33134
At First Quality Lending, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you & your family from the many mortgage options
1600 Ponce de Leon Blvd, 10th Floor, Coral Gables, FL, 33134
Standard Mortgage is a full service mortgage firm dedicated to providing innovative mortgage products and services. Our focus is customer service, using technology to make the process of obtaining a mortgage fast and easy for our customers.vative mortgage products and services. Our focus is customer service.
2655 South Lejeune Road Penthouse, Suite I-k, Coral Gables, FL, 33134
Capital American Mortgage Company provides conventional and FHA mortgage loan programs for residential and commercial real estate. We are professionally staffed with over 50 years of combined experience to serve the borrower, realtor, developer and investor in taking applications, processing, underwriting and closing loans for sale in the market.
300 Sevilla Ave Suite 307, Coral Gables, FL, 33134
Advanced Mortgage Lenders Corp is a Financial Services company located at 300 Sevilla Ave Suite 307 in Coral Gables, Florida, United States. Since 2003 Advanced Mortgage Lenders has been helping Florida home owners with their various financial needs. Whether you're a first time borrower
