Home›USDA Loan›Lake Worth
$0 Down · Rural & Suburban

USDA Loan in Lake Worth, FL

Your licensed Lake Worth mortgage broker for usda loans. We shop multiple lenders to find the right USDA terms for your Lake Worth purchase, and keep the file moving to the closing table.

$340,000
Median Home Price
$0 Down
USDA Highlight
33460
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Lake Worth
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
USDA Loan · Lake Worth

USDA Loans From Your Lake Worth Mortgage Broker

A USDA loan is the zero-down program for homes in eligible rural and many suburban areas. It rewards moderate-income buyers with no down payment and a guarantee fee that runs cheaper than FHA's mortgage insurance.

With a median around $340,000, Lake Worth lands in Palm Beach County's core first-time and move-up range. A USDA loan fits squarely into how most buyers finance at this level.

Most mortgage searches for Lake Worth land here — the city officially renamed itself Lake Worth Beach in 2019, but the old name still drives most of the traffic. We serve the 33460 market under both names: FHA, VA, and down payment assistance for first-time buyers in the arts district and established neighborhoods, as well as conventional and renovation loans for move-up purchasers.

What a USDA Loan Offers in Lake Worth

✓$0 down in USDA-eligible areas
✓Household income capped at 115% of the area median
✓640 score is the common threshold for streamlined approval
✓Lower annual fee than FHA mortgage insurance
✓Property must sit in an eligible census area
✓Primary residence only — no investment or second homes

As a broker, not a bank, we compare usda loan pricing across lenders at no cost. You get real numbers for your Lake Worthprice point. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full USDA Loan program guide. Or review USDA Rural Development for the official rules behind the program.

USDA Loan Snapshot
Minimum Down$0
Income Cap115% of area median
Typical Score640+
Best ForModerate-income buyers in eligible areas
CityLake Worth
CountyPalm Beach County
Broker NMLS#1859012
How It Works in Lake Worth
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for your USDA terms
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing in Lake Worth
Get Pre-Approved
FAQ

USDA Loan in Lake Worth Questions

Does Lake Worth qualify for a USDA loan?

Eligibility comes down to the exact address, not the city name — pockets in and around Lake Worth can qualify even when the core does not. We run the property through the USDA map before you fall for a home, so there are no surprises at underwriting.

What is the income limit for a USDA loan?

Household income generally cannot exceed 115% of the area median for Palm Beach County. The cap counts everyone in the home, not just borrowers. We check your number against the current local limit up front.

Where can I get a usda loan in Lake Worth, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing usda loans in Lake Worth and across Palm Beach County. As a broker we shop multiple lenders for the program. You see real Lake Worth pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a usda loan close in Lake Worth?

The timeline depends on the program, the appraisal, the title work, and how quickly the seller and their lender respond, so we do not quote a fixed number of days. We return most pre-approval decisions within one business day and order third-party reports as early as the contract allows. A fully underwritten pre-approval is the strongest way to keep your Lake Worth closing on schedule.

More Lake Worth Loan Programs

Other Loans We Write in Lake Worth

FHA
Lake Worth
View →
VA
Lake Worth
View →
Conventional
Lake Worth
View →
Jumbo
Lake Worth
View →
Official resources

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.

USDA Loan Questions

What Lake Worth borrowers ask us before they start a usda loan application.

What areas qualify for a USDA loan in Florida?What credit score do I need for a USDA loan?What is a USDA loan?Do USDA loans require a down payment?Can I use a 401k for a down payment?Can I use commission income to qualify?
Browse all mortgage questions→
Tools & Programs
Credit Score560 Score, FHA LoanProperty TypeQuadplex: DSCRGuideComplete Debt-to-Income GuideMarketHow Inflation Affects Home BuyersbuyersSingle Parents Home LoansrefinanceConventional RefinanceLoan ProgramLand & Lot LoansCalculatorConventional Loan Calculator
Keep Exploring
JournalHome Equity Agreement in Florida: Selling a Share of Your Future AppreciationLocationWhite City Mortgage BrokerJournalDebt Consolidation Mortgage in Florida: When It Helps and When It HurtsLocationDundee Mortgage BrokerJournalSeawall Financing in Florida: Paying for the Wall That Holds the WaterfrontLocationFlorida City Mortgage Broker
This Program in Other Cities
Local ProgramUSDA Loan in LakelandLocal ProgramUSDA Loan in MelbourneLocal ProgramUSDA Loan in Miami BeachLocal ProgramUSDA Loan in MiamiLocal ProgramUSDA Loan in MiramarLocal ProgramUSDA Loan in NaplesLocal ProgramUSDA Loan in OcalaLocal ProgramUSDA Loan in OrlandoLocal ProgramUSDA Loan in Palm Beach GardensLocal ProgramUSDA Loan in Pembroke Pines
Explore More
Lake Worth Mortgage BrokerUSDA Loan Program GuideAll Florida Loan ProgramsAll Florida CitiesApply for Pre-Approval

USDA Loan in Lake Worth?

Your local Lake Worth mortgage broker. 5-minute pre-approval, honest rates, fast closing.

Get Pre-Approved(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.