Your complete guide to mortgage loans in South Florida, Florida. Local programs, loan limits, and market data for Miami-Dade, Broward, and Palm Beach counties.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- FHA, VA, USDA, and conventional loans available in South Florida
- Florida Hometown Heroes: up to 5% DPA (all 67 counties)
- County-specific down payment assistance for Miami-Dade, Broward, and Palm Beach counties
- Current FHA loan limits for Miami-Dade, Broward, and Palm Beach counties
- Local housing market data for South Florida
- Flood zone information and insurance requirements
- Bilingual service available — Hablamos Español
- Get a free South Florida mortgage quote