USDA Loans
Zero down payment for eligible rural and suburban homebuyers in Florida.
What is a USDA Loan?
USDA loans are government-backed mortgages administered by the U.S. Department of Agriculture. They're designed to promote homeownership in rural and eligible suburban areas by offering zero down payment financing to qualified borrowers.
Many areas of Florida — including parts of the Tampa Bay region — qualify for USDA financing. If you're open to living outside the urban core, a USDA loan could be the most affordable path to homeownership available to you.
Key Benefits
- Zero down payment required
- Below-market interest rates
- Reduced mortgage insurance costs vs. FHA
- Available in many Florida communities
- Flexible credit requirements
Do You Qualify for a USDA Loan?
USDA loans have two main eligibility requirements: the property must be located in a USDA-eligible area, and the borrower's household income must fall within the program's limits for their county.
Our team will quickly check whether your target area and income qualify. Many buyers are surprised to find that properties they're already considering are USDA-eligible.
Check Your USDA Eligibility
Find out in minutes if you qualify for zero down payment financing.