Coral Gables is Miami-Dade's most prestigious residential community, home to the University of Miami, the Biltmore Hotel, and some of South Florida's most architecturally significant properties. Mediterranean Revival estates, luxury condos, and Miracle Mile anchor one of Florida's highest-priced real estate markets.
Coral Gables is Miami-Dade's premier established suburb — historic architecture, top schools, and consistent luxury demand. The 2026 conforming loan limit is $832,750 and the FHA limit is $667,000, covering most Coral Gables purchase scenarios.
The 2026 conforming loan limit in Miami-Dade County is $832,750 — Florida's standard baseline — which covers the majority of Coral Gables purchases. Miami-Dade County's FHA limit is $667,000, or $125,713 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets.
Anything above $832,750 in Coral Gables needs jumbo financing. See the full breakdown of Miami-Dade County loan limits for conforming, FHA, and VA figures by unit count.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $667,000 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Jumbo loans dominate given median prices over $1.2M. Self-employed and complex income documentation is common. Foreign national programs active for international buyers.
Side-by-side breakdowns for the programs Coral Gables buyers weigh most often.
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Coral Gables Waterway, Brickell Key, Coconut Grove, South Miami, Pinecrest
The 2026 conforming loan limit in Miami-Dade County is $832,750. The FHA limit is $667,000. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Coral Gables with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Miami-Dade County.
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