FHA-Approved Condos in Miami Beach & Miami-Dade County
The Complete Verified List — Updated May 2026
FHA loans are the most common mortgage program in America, requiring as little as 3.5% down. But to use one to purchase a condo, the building itself must be approved by HUD. In South Florida, that list is extraordinarily short.
Across all of Miami-Dade County — home to thousands of condo buildings — only 5 projects appear in the current HUD database. Of those, zero are currently active in Miami Beach. The one Miami Beach building on the list, Admiral Towers, had its approval expire on May 25, 2026.
Broward County has zero FHA-approved condo projects. Palm Beach County has 3, none near Miami Beach.
This is not a minor detail. It defines who can buy your unit.
What This Means for Sellers
If your building is not FHA-approved, every buyer who needs an FHA loan is eliminated from your pool before they ever see your listing. FHA buyers represent the largest segment of first-time purchasers nationally. Removing them means fewer offers, longer days on market, and less negotiating leverage on price. In a market where Miami Beach already has 1,300+ active listings and a median days-on-market of 100, that matters.
Miami-Dade County — Full HUD List
Data source: HUD FHA Condo Lookup, verified May 22, 2026. Always confirm current status at entp.hud.gov before making financing decisions.
| Building | Address | Status | Expires |
|---|---|---|---|
| Admiral Towers ⭐ Miami Beach | 1020 Meridian Ave, Miami Beach, FL 33139 | ⚠️ EXPIRED | May 25, 2026 |
| 500 Brickell West | 55 SE 6th St, Miami, FL 33131 | ✅ Approved | Mar 2028 |
| Secret Garden | 8336 NW 10th St, Miami, FL 33126 | ✅ Approved | Apr 2027 |
| Vivant Condominium No. 1 | 15601 SW 280th St, Homestead, FL 33032 | ✅ Approved | Dec 2028 |
| Modern at Coconut Palm | 24600 SW 129th Ave, Homestead, FL 33032 | ⚠️ EXPIRED | Feb 2026 |
⭐ = Miami Beach building | ✅ = Currently approved | ⚠️ = Expired — verify renewal at HUD before any financing decision
Palm Beach County — Full HUD List
| Building | Address | Status | Expires |
|---|---|---|---|
| The Fountains of Palm Beach | 4539 Luxemburg Ct, Lake Worth, FL 33467 | ✅ Approved | Apr 2028 |
| Sandpiper Cove at Botanica | 341 Indian Creek Pkwy, Jupiter, FL 33458 | ✅ Approved | Aug 2026 |
| Polo Legacy | 8878 Lake Worth Rd, Lake Worth, FL 33467 | ⚠️ EXPIRED | May 2026 |
Broward County
No FHA-approved condo projects currently listed in the HUD database for Broward County.
Can My Building Get FHA Approval?
Yes — buildings can apply for HRAP (HOA-initiated) or DELRAP (lender-initiated) approval. The process involves a review of the HOA's financials, insurance, owner-occupancy ratios, and delinquency rates. Buildings with high investor concentration or significant deferred maintenance typically do not qualify.
If your building is not on this list and you want to understand what approval would mean for your resale value, that's a conversation worth having.
Frequently Asked Questions
Are there any FHA-approved condos in Miami Beach right now?
No. The most recent Miami Beach FHA-approved building, Admiral Towers (1020 Meridian Ave), had its approval expire on May 25, 2026. As of May 2026, there are zero currently active FHA-approved condo projects within the city of Miami Beach.
Can I buy a Miami Beach condo with an FHA loan?
Only if the specific building is FHA-approved by HUD, or you secure a spot approval. Since no Miami Beach buildings currently appear on the HUD list, FHA buyers are effectively shut out of the Miami Beach condo market until a building obtains approval.
What is the difference between HRAP and DELRAP FHA approval?
HRAP (HUD Review and Approval Process) is initiated by the HOA or its agent and reviewed directly by HUD. DELRAP (Direct Endorsement Lender Review and Approval Process) is initiated by a HUD-approved lender. Both result in the same building-level FHA approval — the difference is who runs the paperwork.
How does FHA non-approval affect my resale value?
It shrinks your buyer pool by eliminating FHA borrowers, who represent the largest segment of first-time buyers nationally. Smaller buyer pool means fewer offers, longer days on market, and weaker price negotiation. In a slower Miami Beach market with 1,300+ active listings, that effect compounds.
Can a single unit get FHA approval if the building isn't approved?
Spot approvals exist but are difficult to secure and uncommon in Miami Beach. The lender must demonstrate the building meets FHA requirements at the time of the specific loan. Most buyers in non-approved buildings pursue conventional, jumbo, or portfolio financing instead.
How often does the HUD FHA-approved condo list update?
The HUD database updates continuously as buildings apply, renew, or let approval lapse. Always verify status directly at entp.hud.gov/idapp/html/condlook.cfm before relying on any third-party list — including this one — for a financing decision.