Miami-Dade County
Mortgages

2026 loan limits in Miami-Dade County

These are the 2026 limits for one-unit homes in Miami-Dade County, set by HUD (FHA) and FHFA (conforming). Two- to four-unit properties have higher limits. We confirm the current figures before every rate lock.

Buying a home in Miami-Dade County

Miami-Dade is the one Florida county with a different deed stamp tax: $0.60 per $100 on single-family homes, versus $0.70 everywhere else (other property types add a $0.45 surtax). The FHA limit is $667,000. Condos make up a large share of sales, and many towers are non-warrantable, so specialty condo programs and foreign national loans are routine here.

Areas served in Miami-Dade County

• Miami · FHA loans, Jumbo loans, DSCR loans

Also serving Coral Gables, Miami Beach, Doral, Homestead, Kendall, and Aventura, and the rest of Miami-Dade County.

Florida closing costs on a Miami-Dade County purchase

Example: a $690,000 purchase with an FHA loan of $665,850. The state taxes on that deal:

• Deed doc stamps: $0.60 per $100 on a single-family home in Miami-Dade (other property types add a $0.45 surtax) = $4,140. The standard Florida contract has the seller pay this; check yours.
• Doc stamps on the mortgage note: $0.35 per $100 of loan = $2,330. Paid by the buyer.
• Intangible tax on the mortgage: 0.2% of the loan = $1,332. Paid by the buyer.

Add title insurance, lender fees, prepaid taxes and insurance, and recording fees for the full picture. Run your own numbers with the Florida closing cost calculator.

Homestead exemption in Miami-Dade County

If the home will be your primary residence, file for the homestead exemption with the Miami-Dade County Property Appraiser by March 1 of the year after you close. It can take up to about $50,000 off your assessed value and caps future increases under Save Our Homes. Details in the homestead guide.

Loan programs available in Miami-Dade County

• Conventional: Low down payment options for qualifying first-time buyers.
• FHA: Low down payment and flexible credit; minimum scores vary by lender.
• VA: For eligible veterans and service members.
• USDA: For eligible homes in qualifying rural and suburban areas.
• Jumbo: Loans above the conforming limit.
• DSCR: Investment property qualified on rental income.
• Bank statement: For self-employed borrowers.
• Construction-to-perm: One closing for building a new home.
• Foreign national: For buyers without US credit.
• Down payment assistance: Including Florida Hometown Heroes.

Nearby counties

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