Need help applying for a USDA Loan in Florida? Do not go it alone! Consumer Real Estate Finance Co. 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 Finance Co. 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

STATE:FLORIDA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Cape Coral-Fort Myers FL MSA VERY LOW INCOME 21600 24650 27750 30800 33300 35750 38200 40700
LOW INCOME 34500 39450 44350 49300 53250 57200 61150 65100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crestview-Fort Walton Beach-Destin FL MSA VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 78650 78650 78650 78650 103800 103800 103800 103800
Deltona-Daytona Beach-Ormond Beach FL MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gainesville FL MSA VERY LOW INCOME 21500 24550 27600 30650 33150 35600 38050 40500
LOW INCOME 34350 39250 44150 49050 52950 56900 60800 64750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Baker County FL HUD Metro FMR Area VERY LOW INCOME 20700 23650 26600 29550 31950 34300 36650 39050
LOW INCOME 33100 37850 42550 47300 51100 54850 58650 62450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jacksonville FL HUD Metro FMR Area VERY LOW INCOME 23600 26950 30300 33650 36350 39050 41750 44450
LOW INCOME 37700 43100 48450 53850 58150 62450 66750 71100
MOD.INC-GUAR.LOAN 77400 77400 77400 77400 102150 102150 102150 102150
Lakeland-Winter Haven FL MSA VERY LOW INCOME 19100 21800 24550 27250 29450 31650 33800 36000
LOW INCOME 30500 34900 39250 43600 47100 50600 54050 57550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Miami-Miami Beach-Kendall FL HUD Metro FMR Area VERY LOW INCOME 24650 28150 31650 35150 38000 40800 43600 46400
LOW INCOME 39400 45000 50650 56250 60750 65250 69750 74250
MOD.INC-GUAR.LOAN 80850 80850 80850 80850 106700 106700 106700 106700
West Palm Beach-Boca Raton FL HUD Metro FMR Area VERY LOW INCOME 26650 30450 34250 38050 41100 44150 47200 50250
LOW INCOME 42650 48700 54800 60900 65750 70650 75500 80400
MOD.INC-GUAR.LOAN 87550 87550 87550 87550 115550 115550 115550 115550
Naples-Marco Island FL MSA VERY LOW INCOME 25500 29150 32800 36400 39350 42250 45150 48050
LOW INCOME 40800 46600 52450 58250 62900 67550 72250 76900
MOD.INC-GUAR.LOAN 83750 83750 83750 83750 110550 110550 110550 110550
North Port-Bradenton-Sarasota FL MSA VERY LOW INCOME 22900 26200 29450 32700 35350 37950 40550 43200
LOW INCOME 36600 41850 47050 52300 56500 60650 64850 69050
MOD.INC-GUAR.LOAN 75200 75200 75200 75200 99250 99250 99250 99250
Ocala FL MSA VERY LOW INCOME 17700 20200 22750 25250 27300 29300 31350 33350
LOW INCOME 28300 32300 36350 40400 43650 46850 50100 53350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Orlando-Kissimmee-Sanford FL MSA VERY LOW INCOME 21500 24550 27600 30650 33150 35600 38050 40500
LOW INCOME 34350 39250 44150 49050 52950 56900 60800 64750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Palm Bay-Melbourne-Titusville FL MSA VERY LOW INCOME 22050 25200 28350 31450 34000 36500 39000 41550
LOW INCOME 35200 40250 45250 50300 54300 58350 62350 66400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Palm Coast FL MSA VERY LOW INCOME 21150 24150 27150 30150 32600 35000 37400 39800
LOW INCOME 33800 38600 43450 48250 52100 55950 59850 63700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Panama City-Lynn Haven-Panama City Beach FL MSA VERY LOW INCOME 20850 23800 26800 29750 32150 34550 36900 39300
LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pensacola-Ferry Pass-Brent FL MSA VERY LOW INCOME 20750 23700 26800 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42850 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Port St. Lucie FL MSA VERY LOW INCOME 20950 23900 26900 29900 32300 34700 37100 39450
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Punta Gorda FL MSA VERY LOW INCOME 19550 22350 25150 27900 30150 32400 34600 36850
LOW INCOME 31250 35700 40200 44650 48200 51800 55350 58950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sebastian-Vero Beach FL VERY LOW INCOME 20900 23850 26850 29800 32200 34600 37000 39350
LOW INCOME 33400 38150 42950 47700 51500 55350 59150 62950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tallahassee FL HUD Metro FMR Area VERY LOW INCOME 22550 25750 28950 32150 34750 37300 39900 42450
LOW INCOME 36000 41150 46300 51450 55550 59700 63800 67900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Metro FMR Area VERY LOW INCOME 23400 26750 30100 33400 36100 38750 41450 44100
LOW INCOME 37400 42750 48100 53450 57750 62000 66300 70550
MOD.INC-GUAR.LOAN 76850 76850 76850 76850 101450 101450 101450 101450
Bradford County FL VERY LOW INCOME 18200 20800 23400 25950 28050 30150 32200 34300
LOW INCOME 29050 33200 37350 41500 44800 48150 51450 54800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Calhoun County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Citrus County FL VERY LOW INCOME 16850 19250 21650 24050 26000 27900 29850 31750
LOW INCOME 26950 30800 34650 38500 41600 44650 47750 50800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Columbia County FL VERY LOW INCOME 17250 19700 22150 24600 26600 28550 30550 32500
LOW INCOME 27550 31500 35400 39350 42500 45650 48800 51950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
DeSoto County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dixie County FL VERY LOW INCOME 17450 19950 22450 24900 26900 28900 30900 32900
LOW INCOME 27900 31900 35850 39850 43050 46250 49400 52600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Franklin County FL VERY LOW INCOME 18000 20600 23150 25700 27800 29850 31900 33950
LOW INCOME 28750 32900 37000 41100 44400 47700 50950 54250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Glades County FL VERY LOW INCOME 17000 19400 21850 24250 26200 28150 30100 32050
LOW INCOME 27150 31050 34900 38800 41900 45000 48100 51200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gulf County FL VERY LOW INCOME 18050 20600 23200 25750 27850 29900 31950 34000
LOW INCOME 28850 32950 37100 41200 44500 47800 51100 54400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hamilton County FL VERY LOW INCOME 17050 19500 21950 24350 26300 28250 30200 32150
LOW INCOME 27250 31150 35050 38950 42050 45200 48300 51400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hardee County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hendry County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Highlands County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Holmes County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County FL VERY LOW INCOME 18900 21600 24300 27000 29200 31350 33500 35650
LOW INCOME 30250 34550 38900 43200 46650 50100 53550 57000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lafayette County FL VERY LOW INCOME 20000 22850 25700 28550 30850 33150 35450 37700
LOW INCOME 32000 36550 41150 45700 49350 53000 56650 60300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Levy County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Liberty County FL VERY LOW INCOME 18800 21450 24150 26800 28950 31100 33250 35400
LOW INCOME 30050 34300 38600 42900 46350 49750 53200 56650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Madison County FL VERY LOW INCOME 16850 19250 21650 24050 26000 27900 29850 31750
LOW INCOME 26950 30800 34650 38500 41600 44650 47750 50800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County FL VERY LOW INCOME 30350 34700 39050 43350 46850 50300 53800 57250
LOW INCOME 50050 57200 64350 71500 77200 82950 88650 94400
MOD.INC-GUAR.LOAN 102800 102800 102800 102800 135700 135700 135700 135700
Okeechobee County FL VERY LOW INCOME 17450 19950 22450 24900 26900 28900 30900 32900
LOW INCOME 27900 31900 35850 39850 43050 46250 49400 52600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Putnam County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sumter County FL VERY LOW INCOME 19500 22250 25050 27800 30050 32250 34500 36700
LOW INCOME 31150 35600 40050 44500 48050 51600 55200 58750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Suwannee County FL VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Taylor County FL VERY LOW INCOME 17500 20000 22500 25000 27000 29000 31000 33000
LOW INCOME 28000 32000 36000 40000 43200 46400 49600 52800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Union County FL VERY LOW INCOME 20100 22950 25800 28650 30950 33250 35550 37850
LOW INCOME 32100 36700 41250 45850 49500 53200 56850 60500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Walton County FL VERY LOW INCOME 20650 23600 26550 29450 31850 34200 36550 38900
LOW INCOME 32950 37700 42400 47100 50850 54650 58400 62150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washington County FL VERY LOW INCOME 17400 19900 22400 24850 26850 28850 30850 32850
LOW INCOME 27850 31800 35800 39750 42950 46100 49300 52450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate Finance Co. is here to guide you through the application process.  Contact us today for details or to get started with your USDA Loan application.