Kendall · Miami-Dade FHA
Kendall FHA Home Loan
FHA purchase and streamline refinance loans for Kendall’s townhomes, villas and family homes. We start by finding out what you are really buying, because in Kendall a townhouse is often a condominium on paper.
We specialize in Kendall FHA home financing.
Kendall was built largely in the 1970s and 1980s as a sprawl of planned communities: single-family streets around the lakes, and many more villa and townhouse developments with shared grounds, pools and an association. That makes it one of Miami-Dade’s most natural FHA markets. Prices sit well inside the FHA limit, and the housing suits first-time buyers and young families.
On Mortgage works with many FHA lenders and helps Kendall buyers and owners compare them on rate, fees and how they handle association reviews. See all programs on our Kendall mortgage rates page or connect with a Kendall mortgage broker.
Today’s Kendall FHA Mortgage Rate
$374 lender credit
0.125 points
No points, no credit
$672 lender credit
$1,577 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 Kendall scenario, no credit pull.
Kendall FHA Loan Benefits: Affordable Homeownership Starts Here
The FHA advantages that matter most in Kendall are the low down payment, 3.5% at a 580 score, and the forgiving view of debt-to-income, which helps when association dues and Miami-Dade insurance push the monthly cost up. Gift funds and seller contributions toward closing costs round it out. The bigger Kendall-specific question is the legal form of the home you choose:
| What you are buying | What you own | FHA requirement |
|---|---|---|
| Single-family home | The house and the lot | Standard FHA appraisal; no project review |
| Fee-simple townhouse with an HOA | The unit and the land beneath it | Treated like a house; HOA dues count in the payment |
| Condominium townhouse or villa | The interior plus a share of common land | Project must be FHA approved, or the unit approved individually |
| Condo apartment | The interior plus a share of the building | Project approval, budget and insurance review |
Many Kendall villa communities were organized as condominiums even though they look like rows of small houses. It is not a problem if the community is approved, or if a unit can be approved on its own, but it is something to know before you write an offer.
Kendall FHA Loans for First-Time Homebuyers
For a first-time buyer, Kendall’s attraction is space and schools at a price that is still reachable: villas and townhomes in the high $300,000s and family homes around the $450,000 median. FHA lets you buy with 3.5% down and keep savings for the first year of ownership. Many buyers here combine FHA with gift money from family or with Miami-Dade County purchase assistance when it is available and they meet its income limits.
Mortgage insurance is the cost of that low down payment. On a $380,000 Kendall villa:
| $380,000 purchase | Base loan | Upfront MIP (1.75%, financed) | Monthly MIP | How long MIP lasts |
|---|---|---|---|---|
| 3.5% down | $366,700 | $6,417 | $168 (0.55% a year) | Life of the loan |
| 5% down | $361,000 | $6,318 | $150 (0.50% a year) | Life of the loan |
| 10% down | $342,000 | $5,985 | $143 (0.50% a year) | 11 years |
2026 premium schedule, 30-year term, loan below $726,200. Refinancing into conventional once you reach 20% equity is the usual way to drop MIP on a low-down-payment loan.
On Mortgage: Your Kendall FHA Loan Expert
From suburban neighborhoods to townhouse communities, we provide FHA loans tailored to Kendall’s first-time buyers and families, and to the many Kendall owners who already have one. If you bought with FHA when rates were higher, an FHA streamline refinance can lower your rate with limited paperwork and usually no appraisal. To qualify, the new loan must give you a net tangible benefit: on a fixed-rate loan, your combined rate, meaning interest plus annual mortgage insurance, must drop by at least half a percentage point. Here is that test at today’s FHA rate on a $360,000 balance:
| Current FHA rate | Current combined rate | New combined rate at 6.250% | Passes the 0.5 test? | Monthly principal and interest change |
|---|---|---|---|---|
| 7.625% | 8.175% | 6.800% | Yes | $331 less |
| 7.250% | 7.800% | 6.800% | Yes | $239 less |
| 6.875% | 7.425% | 6.800% | Yes | $148 less |
| 6.500% | 7.050% | 6.800% | No | $59 less |
Illustration assumes a 0.55% annual premium before and after; your actual premium depends on when your loan was endorsed. Payments compare the same balance over 30 years. Closing costs apply, though part of your original upfront premium may be credited if you refinance within three years.
2026 Kendall FHA Loan Limits
Kendall is part of Miami-Dade County, where the 2026 FHA limits are among the highest in Florida. The one-unit limit is well above the typical Kendall home, so the limit rarely decides anything here; the property and the association usually do.
| 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 |
Miami-Dade FHA limits for 2026 by number of units. Prices assume the minimum 3.5% down.
FHA Loans in Kendall
With just 3.5% down, FHA loans help buyers reach condos and townhomes in Kendale Lakes, The Hammocks and Palmetto Estates, along with family homes in Sunset and around Westwood Lakes. The Hammocks and Kendale Lakes in particular have many association communities, so plan for a document review; Sunset and Westwood Lakes lean toward single-family homes on their own lots.
Older Kendall homes sometimes need work that FHA appraisers will flag, such as an aging roof or a damaged fence around a pool. A 203(k) renovation loan can finance those repairs with the purchase, and a seller credit can cover small items before closing.
Market Snapshot
Kendall’s market centered on roughly $450,000 in mid-2026, and homes were finding buyers in about a month and a half. Values are expected to edge up slowly. For FHA buyers, that combination means competition for well-priced homes, so a complete pre-approval with the association already reviewed is worth having before you shop. Both FHA and conventional get priced for every Kendall purchase.
Why Choose On Mortgage for Your Kendall FHA Loan
We pair FHA flexibility with local knowledge of Kendall’s communities, from the paperwork behind a villa to the streamline options for owners.
Association reviews
Condo versus fee-simple sorted out early, with project approval checked.
Streamline checks
We tell existing FHA owners whether a refinance passes the benefit test today.
Many FHA lenders
Compared on rate, fees and how they treat Kendall associations.
Frequently Asked Questions: FHA Loans
Is my Kendall townhouse a condo for FHA purposes?
It depends on how the community was legally created. If you own the land under your unit, it is usually fee simple and treated like a house. If you own the interior and a share of common land, it is a condominium, and FHA needs the project or the unit to be approved.
What is an FHA streamline refinance?
A refinance for borrowers who already have an FHA loan. It usually needs no appraisal and limited documentation, but it must lower your combined rate, interest plus mortgage insurance, by at least half a point on a fixed-rate loan, or otherwise provide a clear benefit.
What credit score do I need for a Kendall FHA loan?
FHA allows 3.5% down at a 580 score and 10% down from 500 to 579. Lender requirements vary, so we match you with lenders that follow FHA’s guidelines rather than adding stricter ones.
What is the 2026 FHA limit in Kendall?
$667,000 for a one-unit home in Miami-Dade County, which covers most Kendall homes, villas and condos.
Can I use FHA on an older Kendall home that needs repairs?
Yes. Minor safety items can be fixed before closing, and larger projects can be financed with an FHA 203(k) loan that combines the purchase and the repairs.
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,...”
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Start your Kendall FHA loan
Buying a villa, a townhome or a house, or refinancing the FHA loan you have, On Mortgage will price it with several FHA lenders and show you the numbers. Call or start online today.