What is the FHA loan limit in Miami-Dade County?
Miami-Dade (Miami-Fort Lauderdale-West Palm Beach MSA) is high-cost: $667,000 one-unit, $853,900 two-unit, $1,032,150 three-unit, $1,282,700 four-unit (2026).
What this actually means.
Miami-Dade carries one of Florida's highest FHA limits because of the South Florida median price. Limits reset each January — verify against HUD before structuring an offer in the higher price bands.
Where this can move.
FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.
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More FHA questions on Loan Limits.
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.