Miami · Miami-Dade County

Mortgage Broker in Miami, Miami-Dade County, Florida

2026 Loan Limits in Miami, Miami-Dade County

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 $645,000, or $103,713 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets.

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. Miami's 2026 FHA ceiling: $645,000.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Miami 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

Global luxury market; significant foreign national activity; condo-heavy; non-warrantable condo risk.

Frequently Asked Questions

What is the 2026 conforming loan limit in Miami, Florida?

Miami sits in Miami-Dade County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Miami?

The 2026 FHA loan limit in Miami-Dade County is $645,000 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Miami?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Miami and throughout Florida.