Miramar · east and west
Miramar FHA Home Loan
FHA loans for both sides of Miramar: the older east-side houses where the FHA appraisal needs attention, and the gated western communities where HOA dues shape the approval. 3.5% down at 580 or better.
We specialize in Miramar FHA home financing.
Miramar stretches from the original neighborhoods near US-441 and State Road 7, settled in the 1950s through the 1970s, to master-planned communities that reach toward the Everglades and were built largely after 2000. FHA works on both sides of the city, but the questions differ: in the east, the house; in the west, the association.
On Mortgage compares many FHA lenders and helps you anticipate both. All of today’s programs are on our Miramar mortgage rates page; our Miramar mortgage broker team can also walk you through purchase assistance options.
Today’s Miramar 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 Broward 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 Miramar scenario, no credit pull.
Miramar FHA Loan Benefits: Affordable Homeownership Starts Here
The low down payment and credit flexibility of FHA suit east Miramar especially well, where a three-bedroom house can still be found in the low $400,000s. For a buyer with a 660 score purchasing a $410,000 east-side home today:
| $410,000 purchase, 660 credit | Conventional, 5% down | FHA, 3.5% down |
|---|---|---|
| Down payment | $20,500 | $14,350 |
| Loan amount | $389,500 | $402,574 (includes 1.75% upfront MIP) |
| Today’s rate | 7.625% | 6.250% |
| Principal and interest | $2,757/mo | $2,479/mo |
| Mortgage insurance | $415/mo PMI | $181/mo MIP |
| Total before taxes and insurance | $3,172/mo | $2,660/mo |
| Mortgage insurance ends | When you reach 20% equity (cancellable) | Usually lasts the life of the loan with under 10% down |
Broward owner-occupied pricing at a 660 score; mortgage insurance from current premium tables. Taxes, insurance and any HOA dues are added on top.
Other FHA strengths help here too: gifts from family for the down payment, up to 6% in seller contributions, and the option to add a relative to the loan as a non-occupant co-borrower.
Miramar FHA Loans for First-Time Homebuyers
Price draws most first-time buyers to Miramar’s east side. FHA requires the home to meet HUD’s minimum property requirements, and older homes are where the appraiser’s notes most often turn into repair conditions. Knowing the usual items lets you plan for them in the offer:
| Common FHA appraisal item | Why it matters | Usual fix |
|---|---|---|
| Roof with little remaining life | Must keep out moisture for several more years | Seller replaces, credit negotiated, or 203(k) |
| Peeling paint on a home built before 1978 | Possible lead-based paint hazard | Scrape and repaint before closing |
| Missing handrails or broken steps | Safety | Small repair by the seller |
| Exposed wiring or open electrical boxes | Safety | Licensed electrician corrects it |
| Water heater without a relief valve or proper venting | Safety | Plumber corrects or replaces |
| Unpermitted garage conversion | May not count as living area | Permit it, or value without it |
None of these usually kills a deal; they just need to be handled before closing. With homes in Miramar averaging around 99 days on the market, sellers are generally willing to take care of them.
On Mortgage: Miramar FHA Loan Experts
Whether you are buying your first home or moving up within the city, we make FHA financing accessible for families, professionals and first-time buyers across Miramar. We review the appraisal-sensitive items on east-side homes before you commit, and on the west side we get the HOA budget and dues early, because a community with security gates, clubhouses and lakes can carry dues that change your approval amount.
Mortgage insurance at the Miramar median:
| $535,000 purchase | Base loan | Upfront MIP (1.75%, financed) | Monthly MIP | How long MIP lasts |
|---|---|---|---|---|
| 3.5% down | $516,275 | $9,035 | $237 (0.55% a year) | Life of the loan |
| 5% down | $508,250 | $8,894 | $212 (0.50% a year) | Life of the loan |
| 10% down | $481,500 | $8,426 | $201 (0.50% a year) | 11 years |
Premiums for a 30-year FHA loan at Miramar’s median price. The upfront premium is usually financed.
2026 FHA Loan Limits for Miramar
Miramar falls within Broward County’s 2026 FHA limits. The one-unit limit covers the median comfortably, though some larger homes in the newest western communities exceed it.
| Broward 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 |
Broward FHA base loan limits for 2026, by property size.
Homes & FHA Access
Miramar’s FHA-friendly neighborhoods include Silver Shores, Monarch Lakes and Riviera Isles in the west, along with gated communities such as Vizcaya and Nautica, where townhomes and single-family homes come with security and community amenities. Condos are less common here than in eastern Broward; where they exist, we check FHA approval. On the east side, the historic neighborhoods offer some of the city’s lowest prices for a detached home.
Market Snapshot
Miramar’s median sale reached about $535,000 by mid-2026, and the average home took around 99 days to sell. The citywide figure blends very different housing, so FHA buyers on the east side often shop well below it. Miramar buyers get FHA and conventional numbers on the same page.
Why Choose FHA Loans in Miramar?
Low down payments and flexible credit make FHA a strong fit across Miramar, especially when paired with someone who knows both sides of the city.
East side
Appraisal items anticipated and negotiated early.
West side
HOA dues and community documents reviewed up front.
Assistance
Purchase assistance layered with FHA when available.
Frequently Asked Questions: FHA Loans
What do FHA appraisers look for in older Miramar homes?
They check that the home is safe, sound and secure: a roof with remaining life, working systems, no peeling paint on pre-1978 homes, no exposed wiring and safe stairs and railings. Most items are small repairs the seller can handle before closing.
Can I use FHA in a gated Miramar community?
Yes. Most gated communities in western Miramar are fee-simple homes with an HOA, which FHA treats like single-family homes. The HOA dues count in your monthly payment.
Can I combine FHA with purchase assistance in Miramar?
Often, yes, if you meet the program’s income and price limits and the program has funding. FHA allows approved assistance to cover the down payment.
What is the 2026 FHA limit in Miramar?
$667,000 for a single-family home or townhome in Broward County.
Is FHA or conventional better in Miramar?
It depends mostly on your credit score and down payment. At scores in the 600s, FHA usually costs less per month; at higher scores, conventional often wins. The comparison above shows today’s numbers.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.”
“Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.”
“Highly recommend working with her! She was professional, courteous, and always on time. She is soft-spoken, extremely knowledgeable, and took the time to answer all of my questions with patience and care. She made the entire mortgage process smooth and stress-free.”
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East-side house or west-side townhome, On Mortgage will check the property, review the HOA and compare FHA lenders for you. Call or start online today.