USDA Home Loans
Home financing for eligible suburban and rural areas.
More of Tampa Bay qualifies than you think
USDA Rural Development guaranteed loans help low and moderate income buyers purchase homes in eligible areas. Many communities on the edges of Tampa Bay, including parts of Pasco and Hernando Counties, may qualify.
Highlights
- Financing options that may require little or no down payment for eligible borrowers
- Competitive pricing backed by a USDA guarantee
- Household income limits that vary by county and household size
- Primary residences only
Check eligibility first
Both the property location and your household income must meet USDA guidelines. Send Curtis an address you’re considering and he’ll check it for you, along with how USDA compares to FHA and conventional options for your situation.
Frequently asked questions
Does USDA have mortgage insurance?
USDA loans have an upfront guarantee fee and an annual fee paid monthly. These are often lower than FHA mortgage insurance.
Is there a maximum purchase price?
There is no set price cap, but income limits and debt to income guidelines effectively determine how much you can borrow.
This page is general information, not a commitment to lend or an offer of credit. Program availability, eligibility and terms depend on your credit, income, property and lender guidelines and are subject to change. Contact Curtis for options specific to you.
Not sure which loan fits?
That’s Curtis’s job. Answer a few quick questions and he’ll compare your options across 60+ lenders.