Miami is Florida's international financial capital and one of the most active luxury real estate markets in the country. Brickell, Coral Gables, Coconut Grove, Edgewater, and Miami Beach drive significant jumbo and foreign national mortgage activity. Strong condo market with complex warrantability considerations.
Miami is a global luxury market with significant condo inventory, strong foreign buyer activity, and diverse investment strategies. The 2026 conforming loan limit is $832,750 and the FHA limit is $667,000, covering most Miami purchase scenarios.
The 2026 conforming loan limit in Miami-Dade County is $832,750 — Florida's standard baseline — which covers the majority of Miami 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 Miami 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, foreign national mortgages, and non-warrantable condo financing are the dominant programs. FHA and conventional are active in more affordable submarkets like Hialeah, Doral, and West Kendall. Strong DSCR investor market.
Side-by-side breakdowns for the programs Miami 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.
Brickell, Coral Gables, Coconut Grove, Edgewater, Wynwood, Doral, Kendall
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 Miami 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.
Median: $895,000
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Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624