Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Florida. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Florida Guaranteed USDA Loan Limits

1-4 Person Households
5-8 Person Households
Baker County, FL HUD Metro FMR Area$272,000$340,000
Bradford County, FL$272,000$340,000
Calhoun County, FL$272,000$340,000
Cape Coral-Fort Myers, FL MSA$272,000$340,000
Columbia County, FL$272,000$340,000
Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area$272,000$357,000
Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area$272,000$340,000
DeSoto County, FL$272,000$340,000
Dixie County, FL$272,000$340,000
Fort Lauderdale, FL HUD Metro FMR Area$323,000$417,000
Franklin County, FL$272,000$340,000
Gainesville, FL MSA$272,000$340,000
Glades County, FL$272,000$340,000
Gulf County, FL HUD Metro FMR Area$272,000$340,000
Hamilton County, FL$272,000$340,000
Hardee County, FL$272,000$340,000
Hendry County, FL$272,000$340,000
Holmes County, FL$272,000$340,000
Homosassa Springs, FL MSA$272,000$340,000
Jackson County, FL$272,000$340,000
Jacksonville, FL HUD Metro FMR Area$272,000$357,000
Lafayette County, FL$272,000$340,000
Lakeland-Winter Haven, FL MSA$272,000$340,000
Levy County, FL$272,000$340,000
Liberty County, FL$272,000$340,000
Madison County, FL$272,000$340,000
Miami-Miami Beach-Kendall, FL HUD Metro FMR Area$289,000$374,000
Monroe County, FL$374,000$417,000
Naples-Immokalee-Marco Island, FL MSA$289,000$391,000
North Port-Sarasota-Bradenton, FL MSA$272,000$340,000
Ocala, FL MSA$272,000$340,000
Okeechobee County, FL$272,000$340,000
Orlando-Kissimmee-Sanford, FL MSA$272,000$340,000
Palm Bay-Melbourne-Titusville, FL MSA$272,000$340,000
Palm Coast, FL HUD Metro FMR Area$272,000$340,000
Panama City-Lynn Haven-Panama City Beach, FL HUD Metro FMR A$272,000$340,000
Pensacola-Ferry Pass-Brent, FL MSA$272,000$340,000
Port St. Lucie, FL MSA$272,000$340,000
Punta Gorda, FL MSA$272,000$340,000
Putnam County, FL$272,000$340,000
Sebastian-Vero Beach, FL MSA$272,000$340,000
Sebring, FL MSA$272,000$340,000
Suwannee County, FL$272,000$340,000
Tallahassee, FL HUD Metro FMR Area$272,000$340,000
Tampa-St. Petersburg-Clearwater, FL MSA$272,000$340,000
Taylor County, FL$272,000$340,000
The Villages, FL MSA$272,000$340,000
Union County, FL$272,000$340,000
Wakulla County, FL HUD Metro FMR Area$272,000$357,000
Walton County, FL HUD Metro FMR Area$272,000$340,000
Washington County, FL$272,000$340,000
West Palm Beach-Boca Raton, FL HUD Metro FMR Area$306,000$408,000
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