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 |
