No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Florida USDA Loans
My state-specific information
Eligibility Requirements – Florida
Besides a VA loan, the USDA loan is one of the only mortgage options in Florida that offers 100% financing with no down payment required.
For 2025, USDA household income limits in Florida range from $119,850 to $197,850, depending on the county and household size. Income limits increase for households with five or more members and may be higher in certain metro areas.
Use the chart below to find the USDA income limits for your specific Florida county.
The map below shows the USDA loan eligible areas for the entire state of Florida. As you can see the majority of the state qualifies for USDA financing. Go to the USDA property eligibility screen for more specific information.
Florida USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Florida follow the standard USDA income limit. South Florida and select coastal areas have higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Florida Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Tampa–St. Petersburg–Clearwater, FL MSA | $119,950 | $158,350 |
| Orlando–Kissimmee–Sanford, FL MSA | $121,200 | $160,000 |
| North Port–Bradenton–Sarasota, FL MSA | $123,750 | $163,350 |
| Naples–Marco Island, FL MSA | $130,650 | $172,500 |
| Fort Lauderdale, FL HUD Metro FMR Area | $132,550 | $175,000 |
| West Palm Beach–Boca Raton, FL HUD Metro FMR Area | $134,400 | $177,450 |
| Miami–Miami Beach–Kendall, FL HUD Metro FMR Area | $142,450 | $188,050 |
| Monroe County (Florida Keys) | $149,850 | $197,850 |
USDA income limits in Florida are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may qualify for a USDA loan with 100% financing (no down payment required).
Check Your Florida USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Florida. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
Florida income limits vary by metro area. If you’re unsure which limit applies to you, complete a quick USDA prequalification and we’ll verify your eligibility immediately.
- NO down payment – Finance 100% of your home
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Florida USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Florida
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
