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.
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.