FHA Home Loan Program
Miami forida

We are proud on being Miami Florida’s #1 FHA loan lender. We help borrowers in Miami to qualify for the best FHA loan program to meet their borrowing requirements. FHA loans are popular of their low down payments and lower credit requirements. FHA loans starting with just 3.5% down payment!

FHA Loan Miami Florida

CambridgeHomeLoan.com provides FHA loans for purchases, refinancing and cash out refinancing.

FHA Loan Eligibility Requirements:

A FICO credit mid score of at least 580 for a 3.5% down home loan
A credit score of 500 to 579 for a 10% down payment
FHA loan with 3.5% down payment requirement
Mortgage insurance offsets the lower FHA interest rates than a conventional loan.
FHA Debt to income ratio of 50% or less

Qualify for a 3.5% down FHA Home Loan in Miami Florida. Use this application to pre-qualify and start shopping for your new home in Tampa today! Purchase, Refinance, Cash Out Refinance.

Benefits of Purchasing A Home With FHA Home Loan in Miami

Low down payment with a minimum of 3.5% down payment
Lower credit scores. Down to 580 to for 3.5% down payment
VA Loan with No down payment required
For First Time Home Buyer's, FHA provides a guarantee loans to the lender who is actually extending the loan on an FHA loan.
To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.
Simple Application and Approval Process. Hit Apply Now and get qualified today!

Miami, officially the City of Miami, is a coastal metropolis located in Miami-Dade County in southeastern Florida. With a population of 467,963 as of the 2020 census, it is the 44th-largest city in the United States and the core of the nation’s eighth-largest metropolitan area.

Schools in Miami, FL

Miami-Dade County Public Schools
1450 NE 2nd Ave · +1 305-995-1000

Miami-Dade County Public Sch
7007 SW 4th St · +1 305-995-3000

Miami Dade County Public School
2200 NW 57th St Apt-A

Why to Live in Miami, FL? – Boasting nearly 150 parks, gardens, playgrounds, and recreation areas, Miami is considered a Top 10 U.S. destination for both golf and deep-sea fishing, as well. Then, of course, there’s the coastline. From South Beach to Cape Florida State Park, some of the world’s most beautiful beaches can be found in Miami. Not just Tampa, we are serving all of FHA Loan Florida market.

FHA Limits for 2022

Lending Limits for FHA Loans in FLORIDA counties

FHA mortgage lending limits in FLORIDA vary based on a variety of housing types and the cost of local housing. FHA loans are designed for borrowers who are unable to make large down payments.

COUNTY		Single	Duplex	Tri-plex	Four-plex
ALACHUA County Florida	GAINESVILLE Florida	$420,680	$538,650	$651,050	$809,150
BAKER County Florida	JACKSONVILLE Florida	$432,400	$553,550	$669,100	$831,550
BAY County Florida	PANAMA CITY Florida	$420,680	$538,650	$651,050	$809,150
BRADFORD County Florida	NON-METRO	$420,680	$538,650	$651,050	$809,150
BREVARD County Florida	PALM BAY-MELBOURNE-TITUSVILLE Florida	$420,680	$538,650	$651,050	$809,150
BROWARD County Florida	MIAMI-FORT LAUDERDALE-POMPANO BEACH Florida	$460,000	$588850	$711800	$884600
CALHOUN County Florida	NON-METRO	$420680	$538650	$651050	$809150
CHARLOTTE County Florida	PUNTA GORDA Florida	$420680	$538650	$651050	$809150
CITRUS County Florida	HOMOSASSA SPRINGS Florida	$420680	$538650	$651050	$809150
CLAY County Florida	JACKSONVILLE Florida	$432400	$553550	$669100	$831550
COLLIER County Florida	NAPLES-MARCO ISLAND Florida	$552000	$706650	$854200	$1061550
COLUMBIA County Florida	LAKE CITY Florida	$420680	$538650	$651050	$809150
DESOTO County Florida	ARCADIA Florida	$420680	$538650	$651050	$809150
DIXIE County Florida	NON-METRO	$420680	$538650	$651050	$809150
DUVAL County Florida	JACKSONVILLE Florida	$432400	$553550	$669100	$831550
ESCAMBIA County Florida	PENSACOLA-FERRY PASS-BRENT Florida	$420680	$538650	$651050	$809150
FLAGLER County Florida	DELTONA-DAYTONA BEACH-ORMOND BEACH Florida	$420680	$538650	$651050	$809150
FRANKLIN County Florida	NON-METRO	$420680	$538650	$651050	$809150
GADSDEN County Florida	TALLAHASSEE Florida	$420680	$538650	$651050	$809150
GILCHRIST County Florida	GAINESVILLE Florida	$420680	$538650	$651050	$809150
GLADES County Florida	NON-METRO	$420680	$538650	$651050	$809150
GULF County Florida	NON-METRO	$420680	$538650	$651050	$809150
HAMILTON County Florida	NON-METRO	$420680	$538650	$651050	$809150
HARDEE County Florida	WAUCHULA Florida	$420680	$538650	$651050	$809150
HENDRY County Florida	CLEWISTON Florida	$420680	$538650	$651050	$809150
HERNANDO County Florida	TAMPA-ST. PETERSBURG-CLEARWATER Florida	$420680	$538650	$651050	$809150
HIGHLANDS County Florida	SEBRING-AVON PARK Florida	$420680	$538650	$651050	$809150
HILLSBOROUGH County Florida	TAMPA-ST. PETERSBURG-CLEARWATER Florida	$420680	$538650	$651050	$809150
HOLMES County Florida	NON-METRO	$420680	$538650	$651050	$809150
INDIAN RIVER County Florida	SEBASTIAN-VERO BEACH Florida	$420680	$538650	$651050	$809150
JACKSON County Florida	NON-METRO	$420680	$538650	$651050	$809150
JEFFERSON County Florida	TALLAHASSEE Florida	$420680	$538650	$651050	$809150
LAFAYETTE County Florida	NON-METRO	$420680	$538650	$651050	$809150
LAKE County Florida	ORLANDO-KISSIMMEE-SANFORD Florida	$420680	$538650	$651050	$809150
LEE County Florida	CAPE CORAL-FORT MYERS Florida	$420680	$538650	$651050	$809150
LEON County Florida	TALLAHASSEE Florida	$420680	$538650	$651050	$809150
LEVY County Florida	GAINESVILLE Florida	$420680	$538650	$651050	$809150
LIBERTY County Florida	NON-METRO	$420680	$538650	$651050	$809150
MADISON County Florida	NON-METRO	$420680	$538650	$651050	$809150
MANATEE County Florida	NORTH PORT-SARASOTA-BRADENTON Florida	$420680	$538650	$651050	$809150
MARION County Florida	OCALA Florida	$420680	$538650	$651050	$809150
MARTIN County Florida	PORT ST. LUCIE Florida	$431250	$552050	$667350	$829350
MIAMI-DADE County Florida	MIAMI-FORT LAUDERDALE-POMPANO BEACH Florida	$460000	$588850	$711800	$884600
MONROE County Florida	KEY WEST Florida	$710700	$909800	$1099750	$1366750
NASSAU County Florida	JACKSONVILLE Florida	$432400	$553550	$669100	$831550
OKALOOSA County Florida	CRESTVIEW-FORT WALTON BEACH-DESTIN Florida	$539350	$690450	$834600	$1037200
OKEECHOBEE County Florida	OKEECHOBEE Florida	$420680	$538650	$651050	$809150
ORANGE County Florida	ORLANDO-KISSIMMEE-SANFORD Florida	$420680	$538650	$651050	$809150
OSCEOLA County Florida	ORLANDO-KISSIMMEE-SANFORD Florida	$420680	$538650	$651050	$809150
PALM BEACH County Florida	MIAMI-FORT LAUDERDALE-POMPANO BEACH Florida	$460000	$588850	$711800	$884600
PASCO County Florida	TAMPA-ST. PETERSBURG-CLEARWATER Florida	$420680	$538650	$651050	$809150
PINELLAS County Florida	TAMPA-ST. PETERSBURG-CLEARWATER Florida	$420680	$538650	$651050	$809150
POLK County Florida	LAKELAND-WINTER HAVEN Florida	$420680	$538650	$651050	$809150
PUTNAM County Florida	PALATKA Florida	$420680	$538650	$651050	$809150
SANTA ROSA County Florida	PENSACOLA-FERRY PASS-BRENT Florida	$420680	$538650	$651050	$809150
SARASOTA County Florida	NORTH PORT-SARASOTA-BRADENTON Florida	$420680	$538650	$651050	$809150
SEMINOLE County Florida	ORLANDO-KISSIMMEE-SANFORD Florida	$420680	$538650	$651050	$809150
ST. JOHNS County Florida	JACKSONVILLE Florida	$432400	$553550	$669100	$831550
ST. LUCIE County Florida	PORT ST. LUCIE Florida	$431250	$552050	$667350	$829350
SUMTER County Florida	THE VILLAGES Florida	$420680	$538650	$651050	$809150
SUWANNEE County Florida	NON-METRO	$420680	$538650	$651050	$809150
TAYLOR County Florida	NON-METRO	$420680	$538650	$651050	$809150
UNION County Florida	NON-METRO	$420680	$538650	$651050	$809150
VOLUSIA County Florida	DELTONA-DAYTONA BEACH-ORMOND BEACH Florida	$420680	$538650	$651050	$809150
WAKULLA County Florida	TALLAHASSEE Florida	$420680	$538650	$651050	$809150
WALTON County Florida	CRESTVIEW-FORT WALTON BEACH-DESTIN Florida	$539350	$690450	$834600	$1037200
WASHINGTON County Florida	NON-METRO	$420680	$538650	$651050	$809150