USDA LOANS
Zero Down in Eligible Areas.
A powerful option for buyers in qualifying locations with household income within limits.
Program Highlights
- Zero down payment for eligible properties
- Income and geography based eligibility
- Low monthly mortgage insurance
Who It’s For
- Primary residence buyers in eligible areas
- Households within program income limits
Eligibility subject to USDA maps and income limits. Program terms may change.
USDA Loan Guide: Zero Down, Eligibility Maps, and Monthly Cost
USDA loans enable zero‑down financing in eligible areas with household income within program limits. For many Florida buyers just outside the city core, USDA can be the fastest path to homeownership with a very competitive total payment.
We’ll confirm address eligibility using the official USDA map and verify income against current limits, then compare USDA vs. FHA/Conventional so you can choose the winning plan.
Key Requirements
- Property located in a USDA‑eligible area
- Household income at or below county limit
- Primary residence only
Guarantee Fee & Annual Fee
USDA includes a guarantee fee (often financed into the loan) and a small annual fee paid monthly. We model both in your payment so there are no surprises.