The USDA Rural Home loan program is through the U.S. Department of Agriculture. It is a rural housing program that allows for 100% financing in designated eligible “Rural” area and offers NO down payment! The USDA loan program also allows the ability to finance closing costs up to the appraised value.

No, there are no restrictions on previous homeownership.

Yes, there are possible exceptions for qualifying with a USDA Loan after a short sale if the adverse activity was temporary in nature and or the situation was beyond the applicant’s control.

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USDA Mortgages do not have PMI, but instead have a monthly premium that is calculated into the payment. This monthly fee is currently over 3X LESS than the monthly PMI on an FHA mortgage.

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Yes! A USDA Home Loan offers flexibility and may be an option when trying to finance a condominium

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Modular Homes can be considered a USDA eligible property, but additional appraisal requirements will apply.

No or zero credit history makes the USDA qualifying process a little more difficult, but it is still possible!

Read more HERE

Yes, the USDA Loan Program requires the bankruptcy to be discharged for at least 3 years. The type of bankruptcy filed can impact the qualifying process as well.

The USDA loan has requirements on property types and eligible areas.

Read more HERE on property types.

Read more HERE on eligibility.

USDA loans are available in many rural and suburban areas throughout Florida. Eligible locations include parts of Polk, Highlands, Hardee, and Osceola counties, among others. Use the USDA property eligibility map or contact us to check a specific address.

USDA income limits in Florida vary by county and household size. As of 2025, most counties follow a standard limit of $119,850 for a 1–4 person household and $158,250 for a 5–8 person household. Higher limits may apply in certain areas or for larger households. We can help calculate your eligibility based on your location and income.

Yes, USDA allows certain existing manufactured homes in Florida, including both singlewide and doublewide models. The home must meet USDA guidelines and be permanently affixed to a foundation. We specialize in USDA manufactured home financing throughout Florida.

USDA Loans do NOT require a down payment—meaning they allow for 100% financing. You may also be able to roll in and include closing costs (depending on the appraised value) or use seller concessions to cover them, making USDA loans one of the most affordable options in Florida.

Yes, USDA loans may allow for the purchase of land and construction of a new manufactured home through USDA’s Single-Close Construction-to-Permanent Loan program. However, this option has more complex guidelines and is offered by fewer lenders. Contact us to find out if you qualify and what to expect with this process in Florida.

According to USDA published rankings, Metroplex Mortgage Services, Inc. has been ranked #1 for 2017, 2023, 2024, and 2025.