USDA Loans in Florida

Need help applying for a USDA Loan in Florida? Do not go it alone! Consumer Real Estate is here to act as your guide – helping you explore your options as you look for financing options in the Sunshine State.

By applying for the USDA Home Loan program, Florida residents can receive a government funded loan that covers the full appraised value of their property. Other benefits of a Florida USDA Loan include:

  •     No  Florida loan amount limitations
  •     $0 down, 100% financing is available
  •      Lower income families and those with blemished credit may qualify

Florida Areas that Qualify for a USDA Loan

The term “Rural Development Loan” can be somewhat misleading. Take note that USDA Loans are not just for Florida farmers. Instead, a great number of areas located throughout the beautiful state of Florida are eligible for a USDA Loan. In general, communities that may qualify are located outside of major metropolitan area limits and have less than 20,000 residents.

Never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate are here to answer all your USDA eligibility questions.  Fill our the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Our Florida office is located at:

115 NE 3rd Ave Suite 601
Fort Lauderdale, FL 33301

Florida’s USDA Loan Income Limits By County

Some of the eligibility restrictions that determine if you qualify for a USDA include the county and zip code the home resides in, as well as, your past credit history and number of dependents.

In addition, because they are designed for families with moderate to lower incomes, the income of homebuyers looking into a Florida USDA Home Loan cannot exceed their county’s set limit:

Florida USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

County Name    

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

OSCEOLA

$74,750

$98,650

ORLANDO-KISSIMMEE, FL (MSA)
NASSAU

$74,750

$98,650

JACKSONVILLE, FL (MSA)
OKEECHOBEE

$74,750

$98,650

OKEECHOBEE, FL (MICRO)
HARDEE

$74,750

$98,650

WAUCHULA, FL (MICRO)
LEE

$74,750

$98,650

CAPE CORAL-FORT MYERS, FL (MSA)
VOLUSIA

$74,750

$98,650

DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (MSA)
HIGHLANDS

$74,750

$98,650

SEBRING, FL (MICRO)
PALM BEACH

$87,550

$115,550

WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL METRO
SUWANNEE

$74,750

$98,650

NON-METRO
HOLMES

$74,750

$98,650

NON-METRO
GADSDEN

$74,750

$98,650

TALLAHASSEE, FL (MSA)
ST. JOHNS

$74,750

$98,650

JACKSONVILLE, FL (MSA)
ST. LUCIE

$74,750

$98,650

PORT ST. LUCIE-FORT PIERCE, FL (MSA)
OKALOOSA

$78,650

$103,800

FORT WALTON BEACH-CRESTVIEW-DESTIN, FL (MSA)
LEVY

$74,750

$98,650

NON-METRO
HAMILTON

$74,750

$98,650

NON-METRO
ESCAMBIA

$74,750

$98,650

PENSACOLA-FERRY PASS-BRENT, FL (MSA)
UNION

$74,750

$98,650

NON-METRO
MARION

$74,750

$98,650

OCALA, FL (MSA)
GULF

$74,750

$98,650

NON-METRO
JACKSON

$74,750

$98,650

NON-METRO
WALTON

$74,750

$98,650

NON-METRO
MANATEE

$75,200

$99,250

SARASOTA-BRADENTON-VENICE, FL (MSA)
BREVARD

$74,750

$98,650

PALM BAY-MELBOURNE-TITUSVILLE, FL (MSA)
MIAMI-DADE

$80,850

$106,700

MIAMI-MIAMI BEACH-KENDALL, FL METROPOLITAN DIVISION
BRADFORD

$74,750

$98,650

NON-METRO
COLUMBIA

$74,750

$98,650

LAKE CITY, FL (MICRO)
BAKER

$74,750

$98,650

JACKSONVILLE, FL (MSA)
MADISON

$74,750

$98,650

NON-METRO
CHARLOTTE

$74,750

$98,650

PUNTA GORDA, FL (MSA)
BROWARD

$91,050

$120,200

FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL
ALACHUA

$74,750

$98,650

GAINESVILLE, FL (MSA)
PUTNAM

$74,750

$98,650

PALATKA, FL (MICRO)
GLADES

$74,750

$98,650

NON-METRO
CLAY

$74,750

$98,650

JACKSONVILLE, FL (MSA)
CITRUS

$74,750

$98,650

HOMOSASSA SPRINGS, FL (MICRO)
LIBERTY

$74,750

$98,650

NON-METRO
SEMINOLE

$74,750

$98,650

ORLANDO-KISSIMMEE, FL (MSA)
ORANGE

$74,750

$98,650

ORLANDO-KISSIMMEE, FL (MSA)
COLLIER

$83,750

$110,500

NAPLES-MARCO ISLAND, FL (MSA)
GILCHRIST

$74,750

$98,650

GAINESVILLE, FL (MSA)
INDIAN RIVER

$74,750

$98,650

SEBASTIAN-VERO BEACH, FL (MSA)
SARASOTA

$75,200

$99,250

SARASOTA-BRADENTON-VENICE, FL (MSA)
MONROE

$95,100

$125,550

KEY WEST-MARATHON, FL (MICRO)
HILLSBOROUGH

$74,750

$98,650

TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
TAYLOR

$74,750

$98,650

NON-METRO
MARTIN

$74,750

$98,650

PORT ST. LUCIE-FORT PIERCE, FL (MSA)
JEFFERSON

$74,750

$98,650

TALLAHASSEE, FL (MSA)
WASHINGTON

$74,750

$98,650

NON-METRO
POLK

$74,750

$98,650

LAKELAND, FL (MSA)
CALHOUN

$74,750

$98,650

NON-METRO
DUVAL

$74,750

$98,650

JACKSONVILLE, FL (MSA)
DE SOTO

$74,750

$98,650

ARCADIA, FL (MICRO)
PASCO

$74,750

$98,650

TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
HENDRY

$74,750

$98,650

CLEWISTON, FL (MICRO)
HERNANDO

$74,750

$98,650

TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
BAY

$74,750

$98,650

PANAMA CITY-LYNN HAVEN, FL (MSA)
DIXIE

$74,750

$98,650

NON-METRO
LEON

$74,750

$98,650

TALLAHASSEE, FL (MSA)
LAFAYETTE

$74,750

$98,650

NON-METRO
LAKE

$74,750

$98,650

ORLANDO-KISSIMMEE, FL (MSA)
FRANKLIN

$74,750

$98,650

NON-METRO
WAKULLA

$74,750

$98,650

TALLAHASSEE, FL (MSA)
PINELLAS

$74,750

$98,650

TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
SUMTER

$74,750

$98,650

THE VILLAGES, FL (MICRO)
FLAGLER

$74,750

$98,650

PALM COAST, FL (MICRO)
SANTA ROSA

$74,750

$98,650

PENSACOLA-FERRY PASS-BRENT, FL (MSA)
Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate is here to guide you through the application process.  Contact us today for details or to get started with your USDA Loan application.


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