USDA Loans
USDA loans: zero-down financing for eligible areas.
Backed by the U.S. Department of Agriculture, USDA loans make homeownership affordable in many suburban and rural communities.
USDA loans support buyers purchasing in qualified rural and suburban areas - which cover far more of Florida than most people realize. They're built for moderate-income households and can finance up to 100% of the purchase price.
Because they combine no down payment with reduced mortgage insurance costs, USDA loans can be one of the most affordable paths available for buyers who meet the location and income requirements.
Quick facts
- Down payment
- 0%
- Location
- Eligible rural/suburban areas
- Income
- Household limits apply
Key advantages
- No down payment required
- Competitive fixed interest rates
- Reduced mortgage insurance costs
- Financing available up to 100% of the purchase price
What to keep in mind
- The property must be in an eligible USDA area
- Household income limits apply and vary by area
- The home must be owner-occupied
Frequently asked questions
Curious if USDA fits your area?
Send me the address or neighborhood you're considering and I'll check eligibility.
This information is for educational purposes only and is not a commitment to lend or a guarantee of approval. Program guidelines, rates, and eligibility vary by lender, location, and individual circumstances and are subject to change. Please consult a licensed mortgage professional for guidance specific to your situation.