$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 Worthpurchase, and close in 14–21 days.

$340,000

Median Home Price

$0 Down

USDA Highlight

33460

Primary ZIP

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Get Pre-Approved in Lake Worth

5 minutes · No cost · Soft credit pull only

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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 rather than a bank, we compare usda loan pricing across lenders for your Lake Worthprice 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

CityLake Worth

CountyPalm Beach County

Broker NMLS#1859012

How It Works in Lake Worth

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your USDA terms

Processing

Our team handles paperwork

In Lake Worth — typically 14–21 days

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, so 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?

Most Lake Worth 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 Lake Worth closing on schedule.

More Lake Worth Loan Programs

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

USDA Loan in Lake Worth?

Your local Lake Worthmortgage 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.