USDA · Central Florida
USDA Loans in Central Florida: $0 Down for Eligible Rural Areas
Huge stretches of Central Florida qualify as "rural" — which can mean $0 down on the home you already wanted.
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Huge stretches of Central Florida qualify as "rural" — which can mean $0 down on the home you already wanted.
Instead of assuming your address doesn't count as "rural," you find out for certain against the USDA's own eligibility map — and if it qualifies, that can mean $0 down and mortgage insurance costs lower than FHA on the home you already had your eye on.
USDA eligibility comes down to your household income and the property's location on the USDA map. Here is what lenders check.
Income limits and property eligibility are set by the USDA.
Requirements vary by lender. Subject to credit approval.
Not sure if your address or income qualifies? We check both during your pre-approval review.
In most scenarios we're paid by the lender, not by you. When borrower-paid compensation gets you a better deal, we show you both options in writing — you choose.
50+ families helped · 21-day average close
“I had a great experience working with Jexayra Rivera from Motto Mortgage on a recent transaction. She was very knowledgeable and took the time to explain every step of the process to my client from pre-approval all the way to closing. Her communication was excellent, and she made sure the buyer felt confident and informed throughout the entire process. Even after closing, she was still available to answer questions and support the client. Highly recommend working with Jexayra!”
“I’ll simply say this. Honesty, personable, reliable, respectful and overall a Family oriented experience. I had bought 3 other homes before using Jexayra and her team and never felt this way. Thank you for what you guys do and never change.”
“My husband and I are so thankful for Jexayra, she was our loan officer for both times we purchased a home. She is absolutely amazing and overall a great loan officer. She is always willing to talk through things and explain every detail if you so need it. As soon as we knew we were moving again there was no doubt that we would go to her for our next purchase. HIGHLY RECOMMEND!”
Many suburban areas around Kissimmee and Central Florida are USDA-eligible — including places that do not look "rural" at all. The USDA has an online map that shows eligible areas. During your free planning session, we will check any address you are considering.
Income limits depend on your household size and the county where the home is located. The USDA sets these limits and updates them regularly. We will compare your household income to the current limits during your planning session. Many moderate-income families qualify.
USDA loans can be used for single-family homes, including new construction in some cases. The home must be your primary residence — no investment properties or vacation homes. Condos and manufactured homes may qualify if they meet USDA standards. We will help you check.