What is a USDA loan?
A USDA loan is a government-backed mortgage offering 100% financing — no down payment — for low-to-moderate-income buyers in eligible rural and suburban areas. Much of Florida outside the major metros qualifies.
You must meet county income limits and buy in an eligible location. USDA charges a small guarantee fee instead of PMI. We'll check the address and your income against the limits.
A rural housing loan
A USDA loan is a zero-down mortgage backed by the U.S. Department of Agriculture. It helps low-to-moderate-income buyers purchase homes in eligible rural and suburban areas.
It offers 100% financing and competitive rates, making it one of the most affordable loans available.
Who it fits
USDA loans suit buyers under the county income limit who want to buy outside major city centers. Much of Florida qualifies by location.
We help buyers use USDA financing across Florida. Apply now and we will check your eligibility.
Verify the details for your own situation against these government and agency sources: USDA Single-Family Housing Guaranteed program and CFPB Owning a Home guide.