2025 Mortgage Loan Limits: Miami-Dade County, Florida
| 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
Historical Charts: Mortgage Loan Limits in Miami-Dade County, Florida
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Miami-Dade County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Miami-Dade County, Florida
Mortgage statistics for Miami-Dade County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
| Mortgages | Total |
|---|---|
| Purchase Mortgages (2018-2023) | 118502 |
| 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
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Miami-Dade County, Florida. Local loan limits and county-level mortgage data updated regularly.
