Florida USDA Home Loan

The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information.
Florida USDA Home Loan Location Eligibility

The Florida USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties. - 

florida-usda-home-loans *If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page.

Alachua Clay Lee Monroe Pasco Santa Rosa
Bay Duval Leon Okaloosa Pinellas Sarasota
Brevard Escambia Manatee Orange Polk Seminole
Broward Hillsborough Marion Osceola St. Johns Volusia
Charlotte Indian River Miami-Dade Palm Beach St. Lucie
-*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page. - - -

Step 1 - Calculate your qualifying income based on the USDA income guidelines.

Adjusted Gross Income Calculator

STEP 1 - Determine your Income
What is the combined gross annual income of all applicants?
STEP 2 - Determine your Deductions
How many children under the age of 18 live in the home?
How many disabled or handicapped individuals who are not the applicant or co-applicant live in the home?
How many full time students 18 years of age or older live in the home?
How many people 62 years of age or older live in the home?
What are the documentable medical expenses for family members 62 years of age or older living in the home?
What are the documentable childcare expenses for children 12 years of age or older living in the home?
  
Your Household's Adjusted Gross Income

 

Step 2 - Refer to the table below to see if your income falls within the UDSA guidelines.

Florida USDA Home Loan Income Eligibility
The Florida USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household. The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information. 
Location 1 to 4 5 to 8 · Location 1 to 4 5 to 8 · Location 1 to 4 5 to 8
Bradenton-Sarasota-Venice, FL $73,600 $97,150 Port St. Lucie, FL $73,600 $97,150 Hendry County, FL $73,600 $97,150
Cape Coral-Fort Myers, FL $73,600 $97,150 Punta Gorda, FL $73,600 $97,150 Highlands County, FL $73,600 $97,150
Deltona-Daytona Beach-Ormond Beach, FL $73,600 $97,150 Sebastian-Vero Beach, FL $73,600 $97,150 Holmes County, FL $73,600 $97,150
Fort Walton Beach-Crestview-Destin, FL $76,250 $100,650 Tallahassee, FL $73,600 $97,150 Jackson County, FL $73,600 $97,150
Gainesville, FL $73,600 $97,150 Wakulla County, FL $73,600 $97,150 Lafayette County, FL $73,600 $97,150
Jacksonville, FL $74,900 $98,850 Tampa-St. Petersburg-Clearwater, FL $73,600 $97,150 Levy County, FL $73,600 $97,150
Baker County, FL $73,600 $97,150 Bradford County, FL $73,600 $97,150 Liberty County, FL $73,600 $97,150
Lakeland-Winter Haven, FL $73,600 $97,150 Calhoun County, FL $73,600 $97,150 Madison County, FL $73,600 $97,150
Fort Lauderdale, FL $88,000 $116,150 Citrus County, FL $73,600 $97,150 Monroe County, FL $86,450 $114,100
Miami-Miami Beach-Kendall, FL $77,500 $102,300 Columbia County, FL $73,600 $97,150 Okeechobee County, FL $73,600 $97,150
West Palm Beach-Boca Raton, FL $86,700 $114,450 DeSoto County, FL $73,600 $97,150 Putnam County, FL $73,600 $97,150
Naples-Marco Island, FL $81,450 $107,500 Dixie County, FL $73,600 $97,150 Sumter County, FL $73,600 $97,150
Ocala, FL $73,600 $97,150 Franklin County, FL $73,600 $97,150 Suwannee County, FL $73,600 $97,150
Orlando-Kissimmee, FL $73,600 $97,150 Glades County, FL $73,600 $97,150 Taylor County, FL $73,600 $97,150
Palm Bay-Melbourne-Titusville, FL $73,600 $97,150 Gulf County, FL $73,600 $97,150 Union County, FL $73,600 $97,150
Palm Coast, FL $73,600 $97,150 Hamilton County, FL $73,600 $97,150 Walton County, FL $73,600 $97,150
Panama City-Lynn Haven, FL $73,600 $97,150 Hardee County, FL $73,600 $97,150 Washington County, FL $73,600 $97,150
Pensacola-Ferry Pass-Brent, FL $73,600 $97,150

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USDA