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 usda 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

Quick Scroll
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 31850 31850 31850 31850 42050 42050 42050 42050
Apply Now LOW INCOME 50950 50950 50950 50950 67250 67250 67250 67250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area 		VERY LOW INCOME 34200 34200 34200 34200 45150 45150 45150 45150
Apply Now LOW INCOME 54700 54700 54700 54700 72200 72200 72200 72200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Walton County, FL HUD Metro FMR Area 		VERY LOW INCOME 30200 30200 30200 30200 39900 39900 39900 39900
Apply Now LOW INCOME 48300 48300 48300 48300 63750 63750 63750 63750
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area 		VERY LOW INCOME 28950 28950 28950 28950 38250 38250 38250 38250
Apply Now LOW INCOME 46300 46300 46300 46300 61100 61100 61100 61100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Palm Coast, FL HUD Metro FMR Area 		VERY LOW INCOME 30150 30150 30150 30150 39800 39800 39800 39800
Apply Now LOW INCOME 48250 48250 48250 48250 63700 63700 63700 63700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gainesville, FL MSA 		VERY LOW INCOME 35650 35650 35650 35650 47100 47100 47100 47100
Apply Now LOW INCOME 57050 57050 57050 57050 75300 75300 75300 75300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Homosassa Springs, FL MSA 		VERY LOW INCOME 26200 26200 26200 26200 34600 34600 34600 34600
Apply Now LOW INCOME 41900 41900 41900 41900 55300 55300 55300 55300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Baker County, FL HUD Metro FMR Area 		VERY LOW INCOME 31100 31100 31100 31100 41100 41100 41100 41100
Apply Now LOW INCOME 49750 49750 49750 49750 65650 65650 65650 65650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jacksonville, FL HUD Metro FMR Area 		VERY LOW INCOME 34950 34950 34950 34950 46150 46150 46150 46150
Apply Now LOW INCOME 55900 55900 55900 55900 73800 73800 73800 73800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lakeland-Winter Haven, FL MSA 		VERY LOW INCOME 27250 27250 27250 27250 36000 36000 36000 36000
Apply Now LOW INCOME 43600 43600 43600 43600 57550 57550 57550 57550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fort Lauderdale, FL HUD Metro FMR Area 		VERY LOW INCOME 40400 40400 40400 40400 53350 53350 53350 53350
Apply Now LOW INCOME 64650 64650 64650 64650 85350 85350 85350 85350
MOD.INC-GUAR.LOAN 92950 92950 92950 92950 122700 122700 122700 122700
Miami-Miami Beach-Kendall, FL HUD Metro FMR Area 		VERY LOW INCOME 39350 39350 39350 39350 51950 51950 51950 51950
Apply Now LOW INCOME 62950 62950 62950 62950 83100 83100 83100 83100
MOD.INC-GUAR.LOAN 90500 90500 90500 90500 119450 119450 119450 119450
West Palm Beach-Boca Raton, FL HUD Metro FMR Area 		VERY LOW INCOME 38450 38450 38450 38450 50800 50800 50800 50800
Apply Now LOW INCOME 61500 61500 61500 61500 81200 81200 81200 81200
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Naples-Immokalee-Marco Island, FL MSA 		VERY LOW INCOME 37500 37500 37500 37500 49500 49500 49500 49500
Apply Now LOW INCOME 60000 60000 60000 60000 79200 79200 79200 79200
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
North Port-Sarasota-Bradenton, FL MSA 		VERY LOW INCOME 35150 35150 35150 35150 46400 46400 46400 46400
Apply Now LOW INCOME 56250 56250 56250 56250 74250 74250 74250 74250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ocala, FL MSA 		VERY LOW INCOME 26700 26700 26700 26700 35250 35250 35250 35250
Apply Now LOW INCOME 42700 42700 42700 42700 56350 56350 56350 56350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Orlando-Kissimmee-Sanford, FL MSA 		VERY LOW INCOME 31950 31950 31950 31950 42200 42200 42200 42200
Apply Now LOW INCOME 51100 51100 51100 51100 67450 67450 67450 67450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Palm Bay-Melbourne-Titusville, FL MSA 		VERY LOW INCOME 32400 32400 32400 32400 42800 42800 42800 42800
Apply Now LOW INCOME 51850 51850 51850 51850 68450 68450 68450 68450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gulf County, FL HUD Metro FMR Area 		VERY LOW INCOME 26300 26300 26300 26300 34750 34750 34750 34750
Apply Now LOW INCOME 42100 42100 42100 42100 55550 55550 55550 55550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Panama City-Lynn Haven-Panama City Beach, FL HUD Metro FMR A 		VERY LOW INCOME 31600 31600 31600 31600 41750 41750 41750 41750
Apply Now LOW INCOME 50550 50550 50550 50550 66750 66750 66750 66750
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pensacola-Ferry Pass-Brent, FL MSA 		VERY LOW INCOME 32600 32600 32600 32600 43050 43050 43050 43050
Apply Now LOW INCOME 52150 52150 52150 52150 68850 68850 68850 68850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Port St. Lucie, FL MSA 		VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Punta Gorda, FL MSA 		VERY LOW INCOME 29200 29200 29200 29200 38550 38550 38550 38550
Apply Now LOW INCOME 46700 46700 46700 46700 61650 61650 61650 61650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sebastian-Vero Beach, FL MSA 		VERY LOW INCOME 32300 32300 32300 32300 42650 42650 42650 42650
Apply Now LOW INCOME 51700 51700 51700 51700 68250 68250 68250 68250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sebring, FL MSA 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tallahassee, FL HUD Metro FMR Area 		VERY LOW INCOME 34200 34200 34200 34200 45150 45150 45150 45150
Apply Now LOW INCOME 54700 54700 54700 54700 72200 72200 72200 72200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wakulla County, FL HUD Metro FMR Area 		VERY LOW INCOME 33400 33400 33400 33400 44100 44100 44100 44100
Apply Now LOW INCOME 53450 53450 53450 53450 70550 70550 70550 70550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tampa-St. Petersburg-Clearwater, FL MSA 		VERY LOW INCOME 31950 31950 31950 31950 42200 42200 42200 42200
Apply Now LOW INCOME 51100 51100 51100 51100 67450 67450 67450 67450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
The Villages, FL MSA 		VERY LOW INCOME 33400 33400 33400 33400 44100 44100 44100 44100
Apply Now LOW INCOME 53450 53450 53450 53450 70550 70550 70550 70550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bradford County, FL 		VERY LOW INCOME 29700 29700 29700 29700 39250 39250 39250 39250
Apply Now LOW INCOME 47500 47500 47500 47500 62700 62700 62700 62700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Calhoun County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Columbia County, FL 		VERY LOW INCOME 29800 29800 29800 29800 39350 39350 39350 39350
Apply Now LOW INCOME 47700 47700 47700 47700 62950 62950 62950 62950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
DeSoto County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dixie County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Franklin County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Glades County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hamilton County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hardee County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hendry County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Holmes County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, FL 		VERY LOW INCOME 27350 27350 27350 27350 36150 36150 36150 36150
Apply Now LOW INCOME 43750 43750 43750 43750 57750 57750 57750 57750
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lafayette County, FL 		VERY LOW INCOME 28550 28550 28550 28550 37700 37700 37700 37700
Apply Now LOW INCOME 45700 45700 45700 45700 60300 60300 60300 60300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Levy County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Liberty County, FL 		VERY LOW INCOME 28350 28350 28350 28350 37450 37450 37450 37450
Apply Now LOW INCOME 45350 45350 45350 45350 59850 59850 59850 59850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Madison County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Monroe County, FL 		VERY LOW INCOME 45950 45950 45950 45950 60700 60700 60700 60700
Apply Now LOW INCOME 78400 78400 78400 78400 103500 103500 103500 103500
MOD.INC-GUAR.LOAN 112700 112700 112700 112700 148750 148750 148750 148750
Okeechobee County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Putnam County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Suwannee County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Taylor County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Union County, FL 		VERY LOW INCOME 28650 28650 28650 28650 37850 37850 37850 37850
Apply Now LOW INCOME 45850 45850 45850 45850 60500 60500 60500 60500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Washington County, FL 		VERY LOW INCOME 26050 26050 26050 26050 34400 34400 34400 34400
Apply Now LOW INCOME 41700 41700 41700 41700 55050 55050 55050 55050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
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.