What areas in Florida qualify for USDA loans?

Many suburban and rural areas in Florida qualify for USDA loans, including parts of Brandon, Hillsborough County, and surrounding counties. Contact 5S Lending to check your specific address.

What is the income limit for a USDA loan in Florida?

USDA loan income limits are based on 115% of the area median income and vary by county and household size. Many working families qualify.

Do USDA loans require a down payment?

No. USDA loans offer 100% financing with no down payment required for eligible borrowers and properties.

USDA Loans on the Cheap!

Zero down payment for eligible rural and suburban homebuyers.

The Lowdown on USDA Loans

USDA loans, backed by the United States Department of Agriculture, offer 100% financing for homes in eligible rural and suburban areas. Despite the name, many areas near cities qualify, and you might be surprised at what's available in your area.

These loans feature no down payment, competitive interest rates, and reduced mortgage insurance compared to FHA loans. They're designed to help moderate-income borrowers achieve homeownership in qualifying areas.

USDA loans have income limits based on your area and household size, but many working families qualify. We'll check your eligibility and guide you through the entire process.

Qualification Requirements

Property must be in USDA-eligible area

Household income must not exceed 115% of area median income

No down payment required (100% financing)

Minimum credit score of 640 preferred

Property must be primary residence

Must demonstrate ability to repay (stable income)

Annual and upfront guarantee fees required

Your Home Loan Could Be Fully Funded 30 Days From Now

Fixed Rates

Lock in your rate for the life of the loan with predictable monthly payments.

ARM

Adjustable rate mortgages with lower initial rates that adjust over time.

Conforming / Jumbo

Standard and high-balance loans for a wide range of property values.

DSCR Investor Loans

Qualify using rental income — no personal income docs required.

FHA / VA / USDA

Government-backed loans with flexible qualification requirements.

HELOC & HELOAN

Tap your home equity for renovations, debt payoff, or cash reserves.

Get Your USDA Loans Rate Quote Now!

Rate & APR Disclosure (Regulation Z / TILA): All rates shown are for illustrative and informational purposes only and do not constitute a loan offer, commitment to lend, or guarantee of any rate or terms. Actual interest rate, Annual Percentage Rate (APR), monthly payment, and total loan cost will vary based on creditworthiness, loan-to-value ratio, loan program, property type, occupancy, and prevailing market conditions at the time of application and rate lock. Rates and APR are subject to change without notice and may not be available in all areas. All loans subject to credit and property approval. 5S Lending LLC, NMLS #2572142 | Personal NMLS #2182419. Licensed in FL. Equal Housing Lender.