The most you can borrow with a conforming loan here. FHA: $667,000 for one unit.
Sources: FHFA and HUD 2026 loan limit files. Restrictions apply. Example: payment at 7.250%, the Oct 30, 2026 conventional 30-year rate in Miami-Dade County for a $500,000 home, 20% down. Principal and interest only.
Example Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.
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See my rateThe 2026 conforming loan limit in Miami-Dade County, Florida is $832,750 for a one-unit home, and the 2026 FHA loan limit is $667,000.
| Units | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $667,000 |
| 2 units | $1,066,250 | $853,900 |
| 3 units | $1,288,800 | $1,032,150 |
| 4 units | $1,601,750 | $1,282,700 |
Sources: FHFA 2026 conforming loan limits, HUD 2026 FHA mortgage limits.
The 2026 baseline limit, the same as 932 of 972 county-equivalents in the 12 states we lend in.
| 1-unit limit | Conforming | FHA |
|---|---|---|
| Miami-Dade County | $832,750 | $667,000 |
| Duval County | $832,750 | $580,750 |
| Hillsborough County | $832,750 | $541,287 |
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$667,000 for one unit in 2026. Up to $1,282,700 for four units.
$832,750 for one unit. Up to $1,601,750 for four units.
That is a jumbo loan. We offer Jumbo loans.
