$0 down in mapped rural and suburban tracts
Florida USDA loans
USDA Section 502 guaranteed loans — 100% financing where the census tract maps and household income is under the cap.
- Who it fits
- Florida buyers of a primary home in an eligible USDA map, within income limits.
- Typical down / structure
- $0 if mapped and under the income cap
USDA Section 502 guaranteed loans offer 100% financing for eligible rural and some suburban census tracts, with a USDA guarantee fee and annual fee instead of conventional PMI. Income limits and a property-location map are the two gates.
Parts of Pasco, Polk, Hernando, rural Orange, St. Johns, and much of North Florida still map eligible even when they feel suburban. Wesley Chapel’s edge, pockets of the I-4 corridor, and North Florida are worth checking before you assume conventional.
The property must be a primary residence that meets USDA property standards. Send the address — we map it before you write the offer.
- Map + income cap are the gates
- Primary residence only
- Often $0 down
- Guarantee fee in lieu of monthly PMI
USDA is Florida consumer origination. Confirm the census tract; maps change.