USDA Guaranteed Loans are the most popular rural development mortgage program in Florida.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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Search USDA Direct Loan Limits (for low income applicants)

This approach means that the maximum loan limits for Guaranteed Loans are variable, with Florida USDA income limits playing a major role.  Guaranteed Loan income limits across FL are listed below.

Florida USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Baker County, FL HUD Metro FMR Area$86,850$114,650
Bradford County, FL$86,850$114,650
Calhoun County, FL$86,850$114,650
Cape Coral-Fort Myers, FL MSA$86,850$114,650
Columbia County, FL$86,850$114,650
Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area$86,850$114,650
Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area$86,850$114,650
DeSoto County, FL$86,850$114,650
Dixie County, FL$86,850$114,650
Fort Lauderdale, FL HUD Metro FMR Area$96,800$127,800
Franklin County, FL$86,850$114,650
Gainesville, FL MSA$86,850$114,650
Glades County, FL$86,850$114,650
Gulf County, FL HUD Metro FMR Area$86,850$114,650
Hamilton County, FL$86,850$114,650
Hardee County, FL$86,850$114,650
Hendry County, FL$86,850$114,650
Holmes County, FL$86,850$114,650
Homosassa Springs, FL MSA$86,850$114,650
Jackson County, FL$86,850$114,650
Jacksonville, FL HUD Metro FMR Area$86,850$114,650
Lafayette County, FL$86,850$114,650
Lakeland-Winter Haven, FL MSA$86,850$114,650
Levy County, FL$86,850$114,650
Liberty County, FL$86,850$114,650
Madison County, FL$86,850$114,650
Miami-Miami Beach-Kendall, FL HUD Metro FMR Area$97,400$128,550
Monroe County, FL$112,700$148,750
Naples-Immokalee-Marco Island, FL MSA$90,050$118,850
North Port-Sarasota-Bradenton, FL MSA$86,850$114,650
Ocala, FL MSA$86,850$114,650
Okeechobee County, FL$86,850$114,650
Orlando-Kissimmee-Sanford, FL MSA$86,850$114,650
Palm Bay-Melbourne-Titusville, FL MSA$86,850$114,650
Palm Coast, FL HUD Metro FMR Area$86,850$114,650
Panama City-Lynn Haven-Panama City Beach, FL HUD Metro FMR A$86,850$114,650
Pensacola-Ferry Pass-Brent, FL MSA$86,850$114,650
Port St. Lucie, FL MSA$86,850$114,650
Punta Gorda, FL MSA$86,850$114,650
Putnam County, FL$86,850$114,650
Sebastian-Vero Beach, FL MSA$86,850$114,650
Sebring, FL MSA$86,850$114,650
Suwannee County, FL$86,850$114,650
Tallahassee, FL HUD Metro FMR Area$86,850$114,650
Tampa-St. Petersburg-Clearwater, FL MSA$86,850$114,650
Taylor County, FL$86,850$114,650
The Villages, FL MSA$86,850$114,650
Union County, FL$86,850$114,650
Wakulla County, FL HUD Metro FMR Area$86,850$114,650
Walton County, FL HUD Metro FMR Area$86,850$114,650
Washington County, FL$86,850$114,650
West Palm Beach-Boca Raton, FL HUD Metro FMR Area$96,150$126,900
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