FHA Home Loans in Doral, FL
Doral is a suburban market built around newer single-family stock and school-district demand. Miami-Dade County uses the $832,750 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. At a $540,000 median, both conforming and FHA financing reach the middle of the Doral market. The FHA ceiling of $667,000 sits above the $540,000 median, so a typical Doral home is financeable with the 3.5% minimum down payment. 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.
FHA loan limits in Miami-Dade County ($667,000) comfortably cover the Doral median home price ($540,000).
Down Payment Comparison
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,308 | $239 | $3,547 |
| Conventional 5% down | — | $180 | $3,464 |
Upfront MIP of $9,119 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
Florida buyers in Miami-Dade County can layer FHA with Florida Housing's Hometown Heroes and the FL Assist second mortgage for down payment and closing cost help. Both are income-limited by county and require a first-time buyer status in most cases — Doral's $540,000 median usually keeps the assistance math workable.
FAQs
Get pre-approved for an FHA loan in Doral
Low down payment, flexible credit requirements, and DPA stackable programs.