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 30,000 in population are considered rural due to their distance from urban areas.
Questions? We are here to help 7 days a week. Please contact us by calling the number above, or just submit the short info request form on this page (mobile users will find the form at the bottom)
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.
Florida USDA Mortgage Approved Locations Include:
Locations outside of Orlando like Ocoee, Winter Garden, Kissimmee, Osceola County, may still eligible.
Locations outside of Tampa like Riverview, Valrico, Ruskin, Sun City, Wesley Chapel Pasco, Odessa, Pasco County.
Locations outside of Jacksonville Duval County, like Orange Park Clay County, St. Johns, Green cove springs, and Nassau County still have some approved areas.
You can find the complete 2021 USDA map here to view all the eligible areas nationwide and even search for a specific property address. Sometimes less is better when using the map search function, input the street number, address with zip code only if you are having trouble. The Florida USDA mortgage map below shows the darker shaded areas that are NOT eligible. Everything else in white is an approved area.
Please note, in order to use the program the property is not required to have a “special” designation by USDA. This means any home listing (for sale by owner, realtor, etc) is generally perfectly fine. The actual location of the property is the key factor. The home must also meet the minimum HUD standard as it relates to liveability and safety. As long as the property is eligible according to the map, and in overall good repair, it should be eligible for financing through any USDA approved lender, broker or bank.
Florida USDA Loan Advantages Include:
- 100% Financing, no down payment needed.
- Buyers closing cost can also be paid by the home seller, limiting out of pocket expense.
- Safe and secure 30-year fix rate terms with low-interest rates.
- Not limited to strictly first time buyers, all qualified home buyers can apply.
- Less monthly mortgage insurance costs when compared to Conventional or FHA loans.
- Lower credit scores often accepted down to 600, even lower for home buyers that have a down payment. More: Some helpful tips from Fico on how to improve your credit score.
Serving all of Florida call 800-743-7556 to learn more about the benefits of USDA loans. We are available to serve you seven days a week.
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