06/27/2025
🏡 FHA vs. FHA High-Balance Loan – What’s the Difference and Which One is Right for You in Florida?
If you’re planning to buy or refinance in Sunny Isles or anywhere in Florida, you should know the difference between a regular FHA Loan and an FHA High-Balance Loan.
Let me explain it in simple terms:
🔹 FHA Loan
Designed for low-to-moderate income buyers
Minimum 3.5% down payment
More flexible credit guidelines
Great for homes under the standard loan limit
In most Florida counties (like Orlando, Tampa, etc.), the 2025 FHA limit is $524,225
🔹 FHA High-Balance Loan
Same benefits as the regular FHA loan
Used in higher-cost areas where real estate prices are higher
Covers loans above $524,225, up to the county’s maximum
For example, in Miami-Dade, Broward, and Palm Beach Counties, the limit is $654,350
In Monroe County (Key West), it goes up to $967,150
📍 Example in Sunny Isles (Miami-Dade County):
Let’s say you want to buy a condo for $620,000
Standard FHA loan maxes out at $524,225 → Not enough
FHA High-Balance covers up to $654,350
✅ You may qualify with just 3.5% down, even at this higher price point!
🤔 Not sure which loan fits your needs?
Let me help you figure it out—fast, clear, and professional.
I work with buyers across all of Florida, and I’m here to guide you through the best mortgage options available today.
📲 Call or text me at 786-848-2353
📧 Email: [email protected]
👤 Boris Melik-Tangiyev | Mortgage Loan Originator
🏦 PREMIER LOANS by AD Mortgage | NMLS ID: 1571948
No promises of approval. All loans subject to underwriting and program guidelines.
Let’s make your dream of homeownership a reality—wherever you are in Florida!
