USDA LOAN BENEFITS IN FLORIDA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
USDA LOAN ELIGIBILITY IN FLORIDA
Even though the Sunshine State has areas with a large number of people, there are still many parts of Florida that qualify for a USDA Home Loan. Backed by the US Government, the USDA Home Loan is a NO MONEY DOWN Loan. With many parts of Florida being eligible, it is a good idea to see if you qualify for a USDA Home Loan. USDA income limits vary by county and household size. Below are all the counties in Florida that have eligible areas for USDA financing along with the limits based off household size.
To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Florida.
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Alachua | $78,200 | $103,200 |
| Baker | $78,200 | $103,200 |
| Bay | $78,200 | $103,200 |
| Bradford | $78,200 | $103,200 |
| Brevard | $78,200 | $103,200 |
| Broward | $91,050 | $120,200 |
| Calhoun | $78,200 | $103,200 |
| Charlotte | $78,200 | $103,200 |
| Citrus | $78,200 | $103,200 |
| Clay | $78,200 | $103,200 |
| Collier | $83,750 | $110,550 |
| Columbia | $78,200 | $103,200 |
| DeSoto | $78,200 | $103,200 |
| Dixie | $78,200 | $103,200 |
| Duval | $78,200 | $103,200 |
| Escambia | $78,200 | $103,200 |
| Flagler | $78,200 | $103,200 |
| Franklin | $78,200 | $103,200 |
| Gadsden | $78,200 | $103,200 |
| Gilchrist | $78,200 | $103,200 |
| Glades | $78,200 | $103,200 |
| Gulf | $78,200 | $103,200 |
| Hamilton | $78,200 | $103,200 |
| Hardee | $78,200 | $103,200 |
| Hendry | $78,200 | $103,200 |
| Hernando | $78,200 | $103,200 |
| Highlands | $78,200 | $103,200 |
| Hillsborough | $78,200 | $103,200 |
| Holmes | $78,200 | $103,200 |
| Indian River | $78,200 | $103,200 |
| Jackson | $78,200 | $103,200 |
| Jefferson | $78,200 | $103,200 |
| Lafayette | $78,200 | $103,200 |
| Lake | $78,200 | $103,200 |
| Lee | $78,200 | $103,200 |
| Leon | $78,200 | $103,200 |
| Levy | $78,200 | $103,200 |
| Liberty | $78,200 | $103,200 |
| Madison | $78,200 | $103,200 |
| Manatee | $78,200 | $103,200 |
| Marion | $78,200 | $103,200 |
| Martin | $78,200 | $103,200 |
| Miami Dade | $86,850 | $114,650 |
| Monroe | $112,700 | $148,750 |
| Nassau | $78,200 | $102,150 |
| Okaloosa | $78,200 | $103,800 |
| Okeechobee | $78,200 | $103,200 |
| Orange | $78,200 | $103,200 |
| Osceola | $78,200 | $103,200 |
| Palm Beach | $87,550 | $115,550 |
| Pasco | $78,200 | $103,200 |
| Pinellas | $78,200 | $103,200 |
| Polk | $78,200 | $103,200 |
| Putnam | $78,200 | $103,200 |
| Santa Rosa | $78,200 | $103,200 |
| Sarasota | $78,200 | $103,200 |
| Seminole | $78,200 | $103,200 |
| St Johns | $78,200 | $103,200 |
| St Lucie | $78,200 | $103,200 |
| Sumter | $78,200 | $103,200 |
| Suwannee | $78,200 | $103,200 |
| Taylor | $78,200 | $103,200 |
| Union | $78,200 | $103,200 |
| Volusia | $78,200 | $103,200 |
| Wakulla | $78,200 | $103,200 |
| Walton | $78,200 | $103,200 |
| Washington | $78,200 | $103,200 |
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