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USDA · Rural Development

$0 down — if your address qualifies.

USDA loans are guaranteed by the U.S. Department of Agriculture for rural and outer-suburban properties. The rules are tighter than VA and FHA, but on the right address with the right income, it's the cheapest path to ownership in Florida — by a wide margin.

  • $0 down payment — 100% financing
  • Lower MI than FHA (0.35% annual vs 0.55%)
  • No loan limit on USDA-Guaranteed program
  • Closing costs gifted or seller-paid permitted
  • Rate often lower than FHA at the same credit
  • 30-year fixed only — no ARM/IO games
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NMLS# 2718409Equal Housing Opportunity
Best fit when

When USDA is the cheat code.

Property in eligible USDA zone

Most outer Central FL — Polk, Lake, Osceola (outside Kissimmee), Sumter — has eligible zones. We check the address before anything else.

Income within USDA limits

Household income capped at 115% of area median. ~$112K – $148K depending on county and family size.

First-time or repeat buyer

USDA is not first-time-only. Repeat buyers qualify if they don't currently own an adequate primary residence.

Limited savings, strong credit

$0 down + seller-paid closing costs = bring zero (or close to zero) to closing on a clean file.

Program details

What the lenders actually require.

Property
Must be in a USDA-eligible rural zone. Use the USDA Property Eligibility map (we check it for you).
Income limit
115% of area median. Around $112K–$148K depending on county and household size in Central FL.
Credit score
Most lenders 640+. Manual underwriting possible at 580+.
Down payment
$0. 100% financing.
MI
Upfront 1.0% (financed) + annual 0.35%. Lower than FHA.
Property type
Single-family primary residence only. No 2–4 unit, no investment, no second home.
Next step

Address eligible? Game changer.

Send the address you're considering. We run the USDA eligibility check, the income test, and compare against FHA / conventional 3% on the same file.

Get my comparison(407) 201-4403
No credit pull · No application fee · Equal Housing Opportunity