Miami-Dade County, Florida loan limits — 2026.
Miami, Miami Beach, Coral Gables, Brickell, Coconut Grove, Doral, Kendall.
2026 loan limits at a glance
Miami-Dade County uses the standard conforming limit, but FHA limits are elevated above the national floor.
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| VA (full entitlement) | No limit | No limit | No limit | No limit |
| VA (partial entitlement) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Conforming (Fannie / Freddie) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FHA | $667,000 | $854,000 | $1,032,150 | $1,282,650 |
| Jumbo | > $832,750 | > $1,066,250 | > $1,288,800 | > $1,601,750 |
Picking the right program in Miami-Dade
Condos in Brickell, Miami Beach, Edgewater: Condo warrantability is the biggest hurdle. We screen the building's investor concentration, reserves, and insurance compliance before locking. For non-warrantable condos we use portfolio jumbo shelves.
Single-family in Coral Gables, Pinecrest, Coconut Grove: Conforming or jumbo depending on price point. 10% down jumbo on primary residences for buyers with 700+ credit.
International buyers: No US credit or Social Security number required with our foreign national jumbo shelves. 25%–30% down typical, asset-based qualification available.
Short-term rentals: STR rules vary by municipality in Miami-Dade. DSCR loans qualify on projected nightly income — we verify legal STR use before pricing.
Miami-Dade loan FAQs
What is the 2026 conforming loan limit in Miami-Dade County, FL?+
Miami-Dade County uses the standard 2026 conforming loan limit of $832,750 for a single-family home. Although Miami is a high-priced metro, the county is not classified as a high-cost area by FHFA.
What is the 2026 FHA loan limit in Miami-Dade County?+
The 2026 FHA one-unit loan limit in Miami-Dade County is $667,000 — higher than the FHA floor of $541,287 because of local median sale prices, but below the high-cost ceiling.
What is the 2026 VA loan limit in Miami-Dade?+
Veterans with full VA entitlement have no hard loan limit and can borrow above $832,750 with zero down. Veterans with partial entitlement are capped at the county conforming limit of $832,750.
When do I need a jumbo loan in Miami?+
Any loan above $832,750 in Miami-Dade is jumbo. Most Brickell condos, Coral Gables single-family, Coconut Grove, and Miami Beach purchases above the median price require jumbo financing.
Are Miami condos harder to finance?+
Often yes — many Miami condos require non-warrantable condo loans because of investor concentration, ongoing litigation, or insurance reserves. We work with portfolio jumbo investors that specifically lend on non-warrantable Miami condos.
Do you lend on second homes and investment properties in Miami?+
Yes — we originate second-home jumbo, DSCR loans for short-term rentals (where legally allowed), and foreign national loans for international buyers in Miami-Dade.