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$75,650$99,850
Bradford County, FL$75,650$99,850
Calhoun County, FL$75,650$99,850
Cape Coral-Fort Myers, FL MSA$75,650$99,850
Columbia County, FL$75,650$99,850
Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area$78,650$103,800
Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area$75,650$99,850
DeSoto County, FL$75,650$99,850
Dixie County, FL$75,650$99,850
Fort Lauderdale, FL HUD Metro FMR Area$91,050$120,200
Franklin County, FL$75,650$99,850
Gainesville, FL MSA$75,650$99,850
Glades County, FL$75,650$99,850
Gulf County, FL HUD Metro FMR Area$75,650$99,850
Hamilton County, FL$75,650$99,850
Hardee County, FL$75,650$99,850
Hendry County, FL$75,650$99,850
Holmes County, FL$75,650$99,850
Homosassa Springs, FL MSA$75,650$99,850
Jackson County, FL$75,650$99,850
Jacksonville, FL HUD Metro FMR Area$77,400$102,150
Lafayette County, FL$75,650$99,850
Lakeland-Winter Haven, FL MSA$75,650$99,850
Levy County, FL$75,650$99,850
Liberty County, FL$75,650$99,850
Madison County, FL$75,650$99,850
Miami-Miami Beach-Kendall, FL HUD Metro FMR Area$81,650$107,800
Monroe County, FL$109,600$144,650
Naples-Immokalee-Marco Island, FL MSA$83,750$110,550
North Port-Sarasota-Bradenton, FL MSA$75,650$99,850
Ocala, FL MSA$75,650$99,850
Okeechobee County, FL$75,650$99,850
Orlando-Kissimmee-Sanford, FL MSA$75,650$99,850
Palm Bay-Melbourne-Titusville, FL MSA$75,650$99,850
Palm Coast, FL HUD Metro FMR Area$75,650$99,850
Panama City-Lynn Haven-Panama City Beach, FL HUD Metro FMR A$75,650$99,850
Pensacola-Ferry Pass-Brent, FL MSA$75,650$99,850
Port St. Lucie, FL MSA$75,650$99,850
Punta Gorda, FL MSA$75,650$99,850
Putnam County, FL$75,650$99,850
Sebastian-Vero Beach, FL MSA$75,650$99,850
Sebring, FL MSA$75,650$99,850
Suwannee County, FL$75,650$99,850
Tallahassee, FL HUD Metro FMR Area$75,650$99,850
Tampa-St. Petersburg-Clearwater, FL MSA$75,650$99,850
Taylor County, FL$75,650$99,850
The Villages, FL MSA$75,650$99,850
Union County, FL$75,650$99,850
Wakulla County, FL HUD Metro FMR Area$76,850$101,450
Walton County, FL HUD Metro FMR Area$75,650$99,850
Washington County, FL$75,650$99,850
West Palm Beach-Boca Raton, FL HUD Metro FMR Area$87,550$115,550
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