Hialeah · FHA for working families
Hialeah FHA Home Loan
FHA loans built around how Hialeah families actually buy: several incomes, a parent co-signing, gift money from relatives and sometimes a second unit that helps pay the mortgage. 3.5% down at a 580 score.
We specialize in Hialeah FHA home financing.
In Hialeah it is common for a home to be bought by more than one person: a couple and a parent, two siblings, adult children helping their parents trade up. FHA is the most flexible mainstream loan for that kind of household. It lets relatives co-borrow even if they will not live in the home, accepts gift money from family for the entire down payment, and can count rent from a legal second unit toward qualifying.
On Mortgage compares many FHA lenders, explains every step in English or Spanish, and builds the application around the whole family’s income. See all of today’s programs on our Hialeah mortgage rates page, or meet our Hialeah mortgage broker team.
Today’s Hialeah FHA Mortgage Rate
$544 lender credit
$531 lender credit
$531 lender credit
$829 lender credit
$1,482 lender credit
Par rate per program for a single-family primary residence in Miami-Dade County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Hialeah scenario, no credit pull.
Hialeah FHA Loan Benefits: Affordable Homeownership Starts Here
Family co-borrowers
A parent, sibling or other relative can join the loan as a non-occupant co-borrower, adding income while you live in the home, still with 3.5% down on a one-unit home.
Gift funds
Relatives can give the whole down payment and closing costs with a signed gift letter and a simple paper trail.
Credit flexibility
A 580 score qualifies for 3.5% down; FHA also looks for a recent pattern of on-time rent and bills when credit history is thin.
Seller help
A Hialeah seller may cover your closing costs, escrow deposits and even a rate buydown, within FHA’s 6% ceiling.
Up to four units
Buy a duplex, triplex or fourplex, live in one unit and let the others help pay the mortgage.
Rates that hold up
FHA rates are often lower than conventional for the same borrower, especially with mid-range credit.
Hialeah FHA Loans for First-Time Homebuyers
Many first-time buyers in Hialeah look at a duplex, or a house with an efficiency in the back, because the extra rent makes the numbers work. FHA allows it, with one important condition: the second unit has to be legal. Here is how rent from the other side of a duplex changes the math today, using a $640,000 Hialeah duplex with 3.5% down:
| $640,000 duplex, owner in one unit | Monthly |
|---|---|
| Principal and interest on $628,408 at 6.250% | $3,869 |
| FHA mortgage insurance | $283 |
| Property tax (homesteaded) and homeowners insurance | $1,093 |
| Total housing payment | $5,246 |
| Market rent for the other unit (illustrative) | $2,100 |
| Rent FHA counts toward qualifying (75%) | $1,575 |
| Payment your own income must support | $3,671 |
Live Miami-Dade FHA par pricing with the upfront premium financed; taxes and insurance from county averages scaled by price. The appraiser estimates market rent. Lenders apply the rental income according to their guidelines and your experience as a landlord, so treat this as an illustration.
The condition that trips up Hialeah buyers is the efficiency. Many homes have garage or rear additions converted into rental units without permits. An FHA appraiser will not give value or rental credit to an unpermitted unit and may flag safety issues that must be fixed before closing. Ask the seller for permits, and check the City of Hialeah’s records, before you count on that rent.
On Mortgage: Your Hialeah FHA Loan Expert
Hialeah is a working-family market, and our FHA files are put together that way. Whether you are buying a starter home in West Hialeah or a condo near Amelia Earhart Park, FHA gives first-time buyers access and flexibility, and we make sure the details line up: which relative should be on the loan, how gift money is documented, whether a second unit counts, and which lenders accept the full family file without adding their own stricter rules.
We also review the property early. Hialeah’s housing is largely from the 1950s through the 1980s, so FHA appraisers look closely at roofs, electrical panels and any additions. If repairs are needed, an FHA 203(k) loan can include them in the mortgage.
2026 Hialeah FHA Loan Limits
Hialeah is in Miami-Dade County, which has the region’s higher FHA limits. In 2026 they comfortably cover the typical Hialeah house, and the two-unit limit covers most duplexes:
| Miami-Dade County, 2026 | FHA loan limit | Highest price at 3.5% down |
|---|---|---|
| Single-family, condo or townhome | $667,000 | $691,100 |
| Two-unit | $853,900 | $884,800 |
| Three-unit | $1,032,150 | $1,069,500 |
| Four-unit | $1,282,700 | $1,329,200 |
Base limits for 2026 in Miami-Dade; the 1.75% upfront premium may sit on top. For three and four units, FHA also requires that 75% of the projected rent from all units cover the full payment.
FHA Financing in Hialeah
With 3.5% down and flexible credit guidelines, FHA fits Hialeah’s inventory of modest single-family homes and townhomes across West Hialeah, Palm Springs and Hialeah Acres. Condo buyers can use FHA too, in buildings on HUD’s approved list; we look up approval before you tour so you do not fall for a unit FHA cannot finance.
Insurance and taxes are part of every FHA approval. Miami-Dade insurance is among the highest in Florida, so a home with a newer roof and hurricane shutters or impact windows can qualify for noticeably more than an identical home without them.
Market Snapshot
Hialeah homes were selling near $485,000 at the midpoint by mid-2026, and the typical listing found a buyer in about 45 days, quicker than much of the county. That pace rewards preparation. On Mortgage helps Hialeah buyers compare FHA and conventional loans and gets the approval in hand before you start making offers.
Why Choose On Mortgage for Your Hialeah FHA Loan
Neighborhood knowledge, condo approval checks and service in two languages, matched with the FHA lender most likely to approve your family’s file.
Whole-family applications
Co-borrowers, gifts and rental income structured correctly from the start.
Property checked early
Permits, additions and condo approval reviewed before your offer.
English or Spanish
Every document and step explained in the language you prefer.
Frequently Asked Questions: FHA Loans
Can my parents co-sign my Hialeah FHA loan?
Yes. FHA allows relatives to be non-occupant co-borrowers. Their income and debts are combined with yours, and on a one-unit home you can still finance up to 96.5% of the price.
Can I use the rent from my efficiency to qualify?
Only if the unit is legal. FHA can count rent from a permitted accessory unit or from the other units of a two- to four-unit property. Unpermitted conversions do not count and may need to be corrected before closing.
Can I buy a duplex in Hialeah with an FHA loan?
Yes, with 3.5% down, provided one unit is your home. The 2026 two-unit limit in Miami-Dade County is $853,900, and 75% of the expected rent from the other unit can help you qualify.
Can my family give me the down payment?
Yes. FHA allows gifts from relatives for the full down payment and closing costs. You will need a gift letter and records showing the money moving from their account to yours.
¿Me pueden explicar el préstamo FHA en español?
Sí. Le explicamos cada paso del préstamo FHA en español, desde la pre-aprobación hasta el cierre, incluyendo cómo documentar regalos de familiares y co-prestatarios.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“Caroline Da Silva from Miami Mortgage Brokers just got us approved for our first mortgage, and we would definitely work with her again after this experience! From the moment our broker connected us with Caroline, she was always several steps ahead throughout the process. We were impressed that Miami Mortgage Brokers had us clear to close a week early,...”
“Chris was outstanding throughout the entire transaction! Always accessible and was able to provide the best financing option when others could not! I would highly recommend him and hope to do more transactions with him.”
“I recently had the pleasure of working with Chris as my loan officer, and I cannot speak highly enough of his exceptional service. He guided me through every step with clarity and patience. What truly sets Chris apart is his remarkable efficiency: not only was he incredibly responsive to my inquiries, but he also expedited the loan process, resulting in the...”
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Bring the whole family to the table. On Mortgage will structure your Hialeah FHA application around everyone’s income and price it with several FHA lenders. Call or start online today.