$0 Down · Rural & Suburban

USDA Loan in Clearwater, FL

Your licensed Clearwater mortgage broker for usda loans. We shop multiple lenders to find the right USDA terms for your Clearwaterpurchase, and close in 14–21 days.

$370,000

Median Home Price

$0 Down

USDA Highlight

33755

Primary ZIP

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Get Pre-Approved in Clearwater

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

USDA Loan · Clearwater

USDA Loans From Your Clearwater 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 $370,000, Clearwater lands in Pinellas County's core first-time and move-up range. A USDA loan fits squarely into how most buyers finance at this level.

Clearwater, the county seat, pairs beach access with affordable inland homes, supporting FHA, conventional, and condo financing.

What a USDA Loan Offers in Clearwater

✓$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 rather than a bank, we compare usda loan pricing across lenders for your Clearwaterprice point at no cost. 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.

USDA Loan Snapshot

Minimum Down$0

Income Cap115% of area median

Typical Score640+

Best ForModerate-income buyers in eligible areas

CityClearwater

CountyPinellas County

Broker NMLS#1859012

How It Works in Clearwater

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your USDA terms

Processing

Our team handles paperwork

In Clearwater — typically 14–21 days

FAQ

USDA Loan in Clearwater Questions

Does Clearwater qualify for a USDA loan?

Eligibility comes down to the exact address, not the city name — pockets in and around Clearwater 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 Pinellas 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 Clearwater, FL?

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

How fast can a usda loan close in Clearwater?

Most Clearwater loans close in 14–21 days, with pre-approval usually under 24 hours. The exact timeline shifts with the program, the property, and the seller. A fully underwritten pre-approval is the best way to keep your Clearwater closing on schedule.

More Clearwater Loan Programs

Other Loans We Write in Clearwater

Explore More

Clearwater Mortgage Broker USDA Loan Program Guide All Florida Loan Programs All Florida Cities Apply for Pre-Approval

USDA Loan in Clearwater?

Your local Clearwatermortgage broker — 5-minute pre-approval, honest rates, fast closing.

(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.