Mortgage Loans in Miami-Dade County, FL — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Miami-Dade County.
About Miami-Dade County
Miami-Dade County is a South Florida's economic and cultural anchor, home to Miami and Miami Beach — elevated FHA limits at $667,000 as part of the Miami-Fort Lauderdale-West Palm Beach MSA. Tayton Capital serves buyers throughout Miami-Dade County, including Miami, Miami Beach, Coral Gables, and Homestead. Median home prices across the county range from $385,000 to $985,000, with FHA limits above the state floor at $667,000, giving first-time buyers meaningful additional purchasing power.
2026 Loan Limits — Miami-Dade County, FL
Miami-Dade County uses the standard Florida conforming baseline of $832,750, covering the vast majority of purchase transactions. FHA buyers benefit from an elevated county limit of $667,000, which is $125,713 above the Florida floor of $541,287. This provides meaningfully more purchasing power than buyers in floor-limit counties, particularly for 3.5% down FHA borrowers. VA loans carry no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo or non-QM financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $667,000 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Miami-Dade County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in Miami-Dade County
Conventional up to $832,750 — standard pricing, 3–5% down for qualifying buyers
FHA up to $667,000 — 3.5% down, flexible credit starting at 580 FICO, no income limit
VA — 0% down, no PMI, no county limit for full-entitlement veterans
USDA — 0% down on eligible rural addresses (property-specific; confirm before offer)
Jumbo — available above $832,750 for purchases exceeding the conforming limit
DSCR Investor — qualify on rental income, close in LLC, no W-2 or tax returns required
Florida Hometown Heroes — up to $35,000 DPA for eligible FL residents in qualifying occupations
Cities We Serve in Miami-Dade County, FL
Select addresses in Miami-Dade County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Miami-Dade County has significant military presence. VA loans with 0% down and no county limit are available throughout the county.
Miami-Dade County Mortgage FAQ
What are the 2026 loan limits in Miami-Dade County, FL?＋
The 2026 conforming loan limit in Miami-Dade County is $832,750. The FHA limit is $667,000. VA loans have no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Miami-Dade County.
Does Tayton Capital serve all cities in Miami-Dade County?＋
Yes — Tayton Capital is licensed in Florida and serves the entire Miami-Dade County area. This includes Miami, Miami Beach, Coral Gables, Homestead. We close loans for buyers in every city and unincorporated community throughout Miami-Dade County.
Is USDA financing available in Miami-Dade County?＋
Yes — select addresses in Miami-Dade County qualify for USDA Rural Development financing, which offers 0% down payment with a 1.0% upfront guarantee fee and 0.35% annual fee. Eligibility is property-specific and tied to USDA's rural designation maps. Contact us to check whether a specific address qualifies.
Is Florida Hometown Heroes available in Miami-Dade County?＋
Yes — eligible Miami-Dade County buyers may qualify for Florida's Hometown Heroes program, which provides up to 5% of the purchase price (max $35,000) as down payment and closing cost assistance. The program is available to Florida residents employed in eligible occupations (healthcare, education, law enforcement, government, and others). Income limits apply at 120% of the area median income. Visit floridahousing.org or contact us for current Miami-Dade County eligibility details.
Ready to Buy or Refi in Miami-Dade County?
Tayton Capital is licensed in Florida and serves every city in Miami-Dade County. Get pre-approved today — same-day response.
More Florida Counties
- Monroe County · Conforming $990,150
- Collier County · Conforming $832,750
- Duval County · Conforming $832,750
- Escambia County · Conforming $832,750
- Broward County · Conforming $832,750