USDA Vs. FHA your options comparison in West-Miami, Miami-Dade County, FL

For 2025, the USDA loan ceiling in West-Miami, situated within Miami-Dade, FL, is $0. Comparatively, the FHA limit for a single-family home stands at $402,500.

Leverage the Lendersa® USDA loan calculator to compare the current best rates for USDA versus FHA loans. This will help evaluate the income, credit, reserves, and documentation required to qualify. Our sophisticated mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable program for your unique financial needs in regions like Alabama.

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2025 Loan Limits and Downpayment Requirements in West-Miami, County of Miami-Dade, FL

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

Available USDA and FHA Loan Options in West-Miami, FL

The mission of Lendersa® is to facilitate the acquisition of the best possible USDA or FHA loan quickly and efficiently. Choose from three beginning approaches that lead to precise lender matches and USDA loan selections.

Lendersa USDA loan request and matching result chart

What Defines a USDA Loan in FL?

A USDA home loan, endorsed by the U.S. Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans, necessitating a minimum down payment of 3.5%, USDA loans require no down payment.

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



  • State Bank of Missouri
  • 101 NW 2nd St, Concordia, MO, 64020
  • State Bank of Missouri, with assets of more than $55 million, is a chartered financial institution that serves customers in Jackson and Lafayette counties in Missouri. Its parent company, C.S. Bancshares, is a multi-bank holding company based in Chillicothe, Mo. C.S. Bancshares is the parent company to Chillicothe State Bank in Chillicothe;
  • Horizon Home Mortgage, LLC
  • 34 Bloomfield Ave, Windsor, CT, 06095
  • We are committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. We will work with you one-on-one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. We will work with you to come up with a plan
  • CASE Credit Union
  • 4316 S. Pennsylvania Ave., Lansing, MI, 48910
  • CASE Credit Union was chartered in 1936 to serve Lansing area teachers and administrators as Lansing Teachers Credit Union. From operating within Lansing High School with 180 members, today, nearly 85 years later, we serve a membership of over 45,000 members and operate seven branches throughout the Greater Lansing area.
  • Lakeside Mortgage
  • 3025 N. Western Avenue, Suite 102, Chicago, IL, 60618
  • At Lakeside Our Vision is… To be known as the most Professional and Ethical mortgage company in the Chicago land area. We have but One Mission… We choose to focus on our customers and their needs – One Relationship at a Time. It has made us who we are today and will carry us securely into the future.
  • Continuum Capital Funding
  • 4044 North Lincoln Ave, Suite 406, Chicago, IL, 60618
  • Continuum Capital Funding (CCF) is a direct lender, providing loans to professional re-developers of rental residential and mixed-use properties throughout Chicagoland. Since 2007 we have helped our clients acquire, renovate and stabilize investment properties CCF customers are typically experienced real estate investors.
  • Clarence Community & Schools Federal Credit Union
  • 9145 Sheridan Drive, Clarence, NY, 14031
  • The Clarence Community & Schools Federal Credit Union is a not-for-profit member owned and operated financial institution established to meet the needs of its members and their families. Our Credit Union was started on October 13, 1954 for the employees of the Clarence Central Schools.
  • Generation2 Mortgage Services
  • 85 Felt Rd, Suite 502, South Windsor, CT, 06074
  • Generation2 Mortgage Services was founded in 2008 as a direct result of the need for simple mortgage solutions for clients needing to purchase or refinance their home. We realized this need as we came from larger lenders; we saw the egregious fees and methodical loan process they put their clients through. Some of the items that we saw were clients
  • Money Market Mortgage LLC
  • 1343 Sullivan Avenue, 2nd Floor, South Windsor, CT, 06074
  • Since 1997 Money Market Mortgage, LLC has been in the business of residential and commercial mortgage origination. We are a company that serves individuals and companies who need a Mortgage Broker and/or Mortgage Lender and have built our business on a deep understanding of the needs of our community.