USDA Rates in Florida
Rates as of May 2026 · Mortgage Capital · NMLS# 1859012 · Licensed Florida mortgage broker
USDA Loan rates in Florida currently run in the high-6% range for a 30-year fixed, and they price differently than other programs. USDA rates run close to FHA, with a low guarantee fee instead of a large down payment.
This page tracks usda loan pricing for buyers in eligible rural and suburban Florida areas, who typically qualify with $0 down within income limits. As a licensed Florida mortgage broker (NMLS# 1859012), we compare lenders to find the real rate for your scenario.
| Loan Product | Rate | APR | Points |
|---|---|---|---|
| USDA 30-Year Fixed ★ | 6.500% | 7.089% | 0.0 |
| 30-Year Fixed | 6.875% | 6.943% | 0.5 |
| 15-Year Fixed | 6.250% | 6.338% | 0.5 |
| FHA 30-Year Fixed | 6.625% | 7.412% | 0.0 |
| VA 30-Year Fixed | 6.375% | 6.511% | 0.0 |
| Jumbo 30-Year Fixed | 6.990% | 7.050% | 0.5 |
| 5/1 ARM | 6.125% | 6.887% | 0.0 |
| Cash-Out Refi 30-Yr | 7.125% | 7.210% | 0.5 |
Sample rates as of May 2026, for illustration only. Your actual rate depends on credit, down payment, loan amount, and program. Not a commitment to lend.
What sets USDA Loan rates
USDA rates run close to FHA, with a low guarantee fee instead of a large down payment. That makes a direct rate comparison across programs misleading unless you also account for mortgage insurance, fees, and down payment.
For buyers in eligible rural and suburban Florida areas, the headline rate is only part of the cost. We show you the full picture so you can compare a usda loan against your other options honestly.
Who a USDA Loan fits
A usda loan is built for buyers in eligible rural and suburban Florida areas. Qualifying usually means $0 down within income limits, plus the credit and income documentation the program requires.
We confirm whether this program is genuinely your lowest-cost path or whether another loan would serve you better before you commit.
Locking your USDA Loan rate
Once you are pre-approved and under contract, we lock your usda loan rate and manage the file to closing. We watch pricing daily and time the lock to the market.
Rates move with economic data and Fed policy, so the right lock window matters as much as the right lender.
Frequently asked questions
What are usda loan rates in Florida?
USDA Loan rates in Florida are in the high-6% range for a 30-year fixed right now. USDA rates run close to FHA, with a low guarantee fee instead of a large down payment.
Who qualifies for a usda loan in Florida?
A usda loan is designed for buyers in eligible rural and suburban Florida areas, typically with $0 down within income limits. We confirm your eligibility quickly.
Is a usda loan my cheapest option?
Not always. The lowest headline rate is not always the lowest total cost once insurance and fees are counted. We compare every program for you.
How do I lock this rate?
After pre-approval and a signed contract, we lock your rate for 30 to 60 days and time it to the market.
Are you a licensed Florida broker?
Yes, Mortgage Capital, NMLS# 1859012, a licensed Florida mortgage broker serving all 67 counties.