Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

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Trusted Content

This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for Miami-Dade County, Florida

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

Miami-Dade County, Florida, mortgage loan limits apply in:

Miami-Dade County 2025 mortgage loan limits include the following cities: Aventura, Bal Harbour, Bay Harbor Islands, Biscayne Park, Brownsville, Coral Gables, Coral Terrace, Country Club, Country Walk, Cutler Bay, Doral, El Portal, Fisher Island, Florida City, Fountainebleau, Gladeview, Glenvar Heights, Golden Beach, Golden Glades, Goulds, Hialeah, Hialeah Gardens, Homestead, Homestead Base, Indian Creek, Ives Estates, Kendale Lakes, Kendall, Kendall West, Key Biscayne, Leisure City, Medley, Miami, Miami Beach, Miami Gardens, Miami Lakes, Miami Shores, Miami Springs, Naranja, North Bay Village, North Miami, North Miami Beach, Ojus, Olympia Heights, Opa-locka, Palmetto Bay, Palmetto Estates, Palm Springs North, Pinecrest, Pinewood, Princeton, Richmond Heights, Richmond West, South Miami, South Miami Heights, Sunny Isles Beach, Sunset, Surfside, Sweetwater, Tamiami, The Crossings, The Hammocks, Three Lakes, Virginia Gardens, Westchester, West Little River, West Miami, West Perrine, Westview, Westwood Lakes
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Areas
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in Miami-Dade County, Florida

Miami-Dade County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from Miami-Dade County, Florida

Miami-Dade County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
118,502
Loan Type
Relative Share
Conventional
76.71%
FHA
20.23%
VA
3.06%
USDA
0.00%
Property Type
Relative Share
1-Unit Homes
98.46%
2-Unit Homes
1.31%
3-Unit Homes
0.12%
4-Unit Homes
0.11%
Borrower Status
Relative Share
One Applicant
61.83%
Two or More Applicants
38.17%
Gender
Relative Share
Male
41.35%
Female
23.53%
Joint Sex
30.77%
Not Available
4.36%
Race
Relative Share
American Indian / Alaska Native
0.23%
Asian
2.00%
Black / African American
5.63%
Native Hawaiian / Other Pacific Islander
0.10%
White
79.75%
Mixed Race
1.27%
Other Race
11.02%
Ethnicity
Relative Share
Hispanic or Latino
65.16%
Not Hispanic or Latino
22.47%
Joint Ethnicity
2.95%
Other Ethnicity
9.42%
Miami-Dade County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Miami-Dade County, Florida

2025 conforming and FHA mortgage loan limits for for the areas surrounding Miami-Dade County, Florida. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Broward County, Florida
Collier County, Florida
Miami Dade County, Florida
Monroe County, Florida
National Data

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© 2021-2025 All rights reserved. Member FDIC. Equal Housing Lender. Novus Home Mortgage, a division of Ixonia Bank, NMLS #423065. The website is not available in Connecticut, New York, Washington, Hawaii, and Alaska. Growella is not licensed or registered to engage in mortgage loan origination activities for mortgage loans on 1-4 family residential properties located in New York. This website is not approved by the state of New York. A self-directed mortgage means the customer provides application information and selects loan terms independently. Guidance from a loan officer is available for informational purposes only. This process is not fully automated and does not increase the likelihood of mortgage approval compared to a typical mortgage application. All applications are subject to standard underwriting and approval criteria. Some content on this website includes links to external sources for informational purposes. By clicking on these links, you acknowledge that this website does not endorse or control the content, policies, or practices of external websites. This website has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. US government agencies have not reviewed this information, and this site is not connected with any government agency.
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