FHA Home Loans in Coral Gables, FL

Coral Gables is a suburban market built around newer single-family stock and school-district demand. Miami-Dade County uses the $847,440 national baseline conforming limit for 2026. HUD set the county's one-unit FHA limit at $667,000 — $125,713 above the $541,287 national floor. With a median around $985,000, the typical Coral Gables purchase already sits above the conforming limit, so jumbo or high-balance financing is the normal path here. Because the $667,000 FHA ceiling lands below the $985,000 median, FHA buyers in Coral Gables are generally shopping the lower half of the market, buying a condo or townhome, or bringing more than the 3.5% minimum to close the gap. On 2–4 units, the FHA limits step up to $853,760 (duplex), $1,032,116 (triplex), and $1,282,708 (fourplex) — the route Florida buyers use to house-hack with 3.5% down while tenants carry part of the payment.