2026 Loan Limits in Homestead, Miami-Dade County
The 2026 conforming loan limit in Miami-Dade County is $832,750 — Florida's standard baseline — which covers the majority of Homestead purchases. Miami-Dade County's FHA limit is $645,000, or $103,713 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets. Some addresses on the rural outskirts of Homestead may qualify for USDA 0% down financing. Eligibility is property-specific and must be verified — contact us to check any address. Veterans and active-duty buyers near Homestead benefit from VA loans with zero down payment, no monthly PMI, and no county loan limit for those with full entitlement.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Miami-Dade County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Homestead's 2026 FHA ceiling: $645,000.
VA
0% down, no monthly PMI, competitive rates for eligible veterans and active-duty service members buying in Homestead.
USDA
0% down rural development financing on eligible Homestead addresses. Address must be verified on the USDA eligibility map.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Homestead for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Miami-Dade; Homestead ARB; VA market; USDA outskirts eligible; affordable Miami entry.