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).
Plain-English explanation
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.
What can change the answer?
FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
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.