Miami-Dade County, FL Mortgage Calculator
Estimate your monthly mortgage payment in Miami-Dade County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$3,872
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $448,000
LTV: 0.01%
P&I Payment
$2,966
Total Interest
$619,590
over loan life
Payoff
30 yr
Closing Costs
$9,879–$18,441
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$621,000
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,966 | $371 | $2,595 | $447,629 | $2,595 |
| 2 | $2,966 | $373 | $2,593 | $447,256 | $5,187 |
| 3 | $2,966 | $375 | $2,590 | $446,881 | $7,778 |
| 4 | $2,966 | $377 | $2,588 | $446,504 | $10,366 |
| 5 | $2,966 | $380 | $2,586 | $446,124 | $12,952 |
| 6 | $2,966 | $382 | $2,584 | $445,742 | $15,536 |
| 7 | $2,966 | $384 | $2,582 | $445,358 | $18,117 |
| 8 | $2,966 | $386 | $2,579 | $444,972 | $20,696 |
| 9 | $2,966 | $388 | $2,577 | $444,584 | $23,274 |
| 10 | $2,966 | $391 | $2,575 | $444,193 | $25,849 |
| 11 | $2,966 | $393 | $2,573 | $443,800 | $28,421 |
| 12 | $2,966 | $395 | $2,570 | $443,405 | $30,991 |
Months 1–12 of 360
2025 Loan Limits — Miami-Dade County, FL
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $621,000 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Miami-Dade County Mortgage
What is the property tax rate in Miami-Dade County?
The effective property tax rate in Miami-Dade County is approximately 0.96%. This means a home worth $560,000 would have an estimated annual tax bill of about $5,376.
What is the 2025 FHA loan limit in Miami-Dade County?
The 2025 FHA loan limit for a single-family home in Miami-Dade County, FL is $621,000.
What is the conforming loan limit in Miami-Dade County?
The 2025 conforming loan limit in Miami-Dade County is $806,500. Loans above this amount are considered jumbo loans.