Standard Florida Mortgage

Florida USDA Loans — $0 Down Outside the Cities

USDA Rural Development financing is Florida's best-kept secret: zero down, competitive fixed rates, and flexible credit — and 'rural' covers far more of Florida than people think, including fast-growing areas just outside Palm Beach, Orlando, and Tampa.

NMLS #1828502

Check What I Qualify For →

How USDA loans work

0% down payment — finance 100% of the appraised value
30-year fixed rates, competitive with conventional pricing
Guarantee fee cheaper than FHA's mortgage insurance structure
Household income limits apply by county and household size
Property must be in a USDA-eligible area — we check the map for you

Surprising places that qualify in Florida

Much of inland Palm Beach County's western communities
Areas around Okeechobee, Sebring, and the Heartland
Fast-growing corridors outside Orlando, Tampa, Ocala, and Jacksonville
Many 55+ and new-construction communities in eligible zones

Who USDA fits

Buyers with good income but limited savings
Households under the county income cap (often higher than expected — ask)
Anyone flexible on location — a 15-minute move can unlock $0 down
First-time and repeat buyers alike — no first-timer requirement

Frequently Asked Questions

What are USDA loan requirements in Florida?

The home must be in a USDA-eligible rural area, your household income must be under the county limit for your household size, and you need documentable income and reasonable credit (typically 640+ for streamlined handling).

How do I check if a Florida address is USDA eligible?

The USDA eligibility map at the USDA website shows address-level eligibility — or call us with the address and we'll check it in a minute, including the income limits for your household.

Can you get a USDA loan with no money down?

Yes — 0% down is standard, financing up to the appraised value, with a one-time guarantee fee that can be financed into the loan.