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

Area
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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