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

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

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in West-Miami, county of Miami-Dade, FL

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

USDA and FHA loan options in West-Miami, FL

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Florida?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • UNION SAVINGS BANK
  • 225 Main Street, Danbury, CT, 06810
  • USB is a mutual financial services organization committed to building lasting relationships that exceed the expectations of our customers & the communities we serve. We build lasting relationships that enrich the lives of our customers and communities. We are committed to professionalism, & our integrity & ethical standards will not be compromised.
  • GML Group
  • 429 Main Street, Suite 1, Danbury, CT, 06810
  • At Global Mortgage Lending, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Fieldstone Credit Union
  • 395 N Kinzie Avenue, Bradley, IL, 60915
  • Armour Kankakee Credit Union officially changes its name to Fieldstone Credit Union: Many paths. One destination. The new name reflects the “fields of stone” (175 acres of farmland) where Armour and Company built a $14 million plant in 1950. Those fields of stone laid the foundation for the credit union
  • The Tipton Latham Bank, National Association
  • 800 US-50, Tipton, MO, 65081
  • The Tipton Latham Bank, N.A. is a locally owned and operated independent community bank established in 1906. We are a full-service bank offering: Free Checking Regular Checking Savings Account Now Account Super Now Account Money Market Account Certificates of Deposit IRAs Debit/ATM Cards
  • Shelter Insurance FCU
  • 1817 West Broadway, Columbia, MO, 65218
  • Shelter Insurance Federal Credit Union was chartered by the State of Missouri in 1958 to serve its members in financial matters—to promote thrift among members by providing an opportunity to accumulate savings and a source of credit at fair and reasonable rates. The Credit Union received a federal charter in 1979,
  • Goodfield State Bank
  • 201 S. Eureka Street, Goodfield, IL, 61742
  • In December of 1914, W.R. Simpson, Byron Colburn, and S. E. Naffziger founded Goodfield State Bank in Mr. Naffziger’s country store. Patrons conducted banking business in one corner of the store until a building was completed in 1915. Goodfield State Bank was officially incorporated in the State of Illinois in December of 1920
  • MISSOURI CREDIT UNION
  • 111 E Broadway, Columbia, MO, 65205
  • We are not a bank. We are member–based. When you work for your members, you deliver a completely different experience. At Missouri Credit Union, our members matter and we’re committed to seeing them and their money do more. Serving central Missouri, with branches in Columbia and Jefferson City.
  • Michigan Legacy Credit Union
  • 269 Oak Street, Wyandotte, MI, 48192
  • Michigan Legacy Credit Union, formerly known as Affinity Group Credit Union is a member owned, not-for-profit financial cooperative serving members who live, work, worship, attend school, or own a business in the State of Michigan. Michigan Legacy Credit Union is committed to providing quality financial services