| USDA Loans in Florida
Zero Down Home Financing for Eligible Rural and Suburban Buyers
A USDA loan is a mortgage backed by the U.S. Department of Agriculture and designed to promote homeownership in eligible rural and suburban areas. These loans offer 100% financing, competitive interest rates, and reduced mortgage insurance costs.
At Mid Florida Mortgage Professionals, Rayce and his team help Florida homebuyers determine USDA eligibility and navigate the process from application to closing with confidence.
What Is a USDA LOAN?
USDA loans are government-backed mortgages created to support homeownership in qualifying areas. Many buyers are surprised to learn that USDA-eligible zones include many suburban communities throughout Florida, not just farmland or remote locations.
Florida buyers choose USDA loans because they offer:
No down payment required (100% financing)
Lower mortgage insurance costs compared to FHA
Competitive interest rates
Flexible credit guidelines
Affordable monthly payments
USDA loans are available for primary residences only and require the home to be located in an eligible USDA area.
Whether you’re buying in eligible areas near Oviedo, Central Florida, or other qualifying locations across Florida, Rayce and his team can help determine if a USDA loan is an option for you.
Who Is a Good Fit for a USDA Loan?
USDA loans are often ideal for:
First-time homebuyers
Buyers seeking zero down payment options
Households with moderate income
Buyers purchasing in eligible rural or suburban areas
Income limits apply and vary by county and household size. Rayce and his team will review your income, location, and eligibility to confirm whether you qualify.
USDA Loan FAQs
Do USDA loans really require no down payment?
Yes. USDA loans offer 100% financing, allowing qualified buyers to purchase a home with no down payment.
This can make homeownership more accessible while allowing buyers to keep cash reserves for emergencies, moving costs, or home improvements.
How do I know if a property is USDA-eligible?
USDA eligibility is based on property location and household income.
Many areas in Florida that appear suburban or semi-rural still qualify.
Rayce and his team can quickly check the most up-to-date USDA maps and income limits to confirm eligibility.
What are USDA mortgage insurance costs?
USDA loans include:
⦿ A one-time upfront guarantee fee (typically lower than FHA’s upfront MIP)
⦿ A low annual fee that is paid monthly
Overall, USDA mortgage insurance costs are often lower than FHA, helping keep monthly payments affordable.
Can USDA closing costs be covered?
Yes. USDA buyers may reduce or cover closing costs through:
⦿ Seller concessions
⦿ Lender credits
⦿ Gift funds
⦿ USDA-approved assistance programs
Rayce and his team will help structure your loan to minimize out-of-pocket expenses whenever possible.
Can I refinance a USDA loan?
Yes. Jumbo borrowers in Florida often refinance to:
⦿ Secure a lower interest rate
⦿ Change loan terms
⦿ Access home equity
⦿ Consolidate debt
Yes. USDA offers refinance options, including USDA Streamline Refinances, which may reduce paperwork and speed up the process.
If interest rates drop or your financial goals change, Rayce and his team can help evaluate whether refinancing makes sense.
USDA Loans vs. Other Loan Types
USDA Loans May Be Better If:
You want to buy with no down payment
You’re purchasing in an eligible area
Your household income falls within USDA limits
You want lower mortgage insurance costs
Other Loans May Be Better If:
The property is not in a USDA-eligible area
Your income exceeds USDA limits
You’re purchasing an investment or second home
Rayce and his team will walk you through all available loan options and help you choose the best fit.
Get Started With a USDA Loan in Florida
USDA loans make homeownership possible for many buyers who thought zero-down options were out of reach. If you’re exploring homes in eligible Florida areas, Rayce and his team at Mid Florida Mortgage Professionals are here to help.
📍 Serving Oviedo, Central Florida, and homebuyers statewide
📞 Personalized guidance, clear communication, and affordable loan solutions
Contact Rayce and his team today to explore USDA loan options in Florida.
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Contact Info
We’re here to make your home financing experience smooth and stress-free. Contact our team anytime — we’re ready to guide you through every step of your homebuying journey.
Location
235 S Central Ave, Oviedo Florida 32765
Phone
Mid Florida Mortgage Professionals
Company NMLS# 1587074
Rayce Robinson
LO NMLS # 322615
235 South Central Ave
Oviedo, Florida 32765
© 2026 Mid Florida Mortgage Professionals. All rights reserved. Mid Florida Mortgage Professionals is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. NMLS Consumer Access
