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.