The USDA home loan program is limited to certain eligible areas deemed “rural” by the USDA/Rural Development. We frequently receive questions about the areas in Florida that are eligible for the program. The USDA says that to be eligible a property must be in a rural community of fewer than 10,000 people, but there are exceptions to this rule. Some areas between 10,000 and 25,000 in population are considered rural due to their distance from urban areas.
Broward, Monroe, Duval, Pinellas County and “most” of South Florida (Miami/Dade) are not eligible for USDA financing. The good news is about 80% of Florida IS eligible for USDA financing.
Locations around Orlando like Ocoee, Winter Garden, Kissimmee and many others are eligible.
Locations around Tampa like Riverview, Valrico, Ruskin, Sun City, Wesley Chapel, Odessa.
Locations around Jacksonville like Orange Park, St. Johns, Green cove springs, Nassau are eligible.
You can click here to view all the eligible areas throughout Florida.
USDA Mortgage Source is Florida’s primary resource for all 100% USDA financing. Serving all of Florida including Orange, Baker, Walton, and Hernando county – please visit our main web site at www.UsdaMortgageSource.com or call 800-743-7556 to learn more about the benefits of 100% USDA / Rural Development home loans here in Florida. We are available to serve you seven days a week.
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