Orlando · Central Florida
USDA Loans Near Orlando
USDA loans offer 100% financing with no down payment for eligible homes in qualifying rural and suburban areas surrounding Orlando — and the income limits are often higher than people expect.
USDA loans offer 100% financing with no down payment for eligible homes in qualifying rural and suburban areas surrounding Orlando — and the income limits are often higher than people expect.
USDA loans are guaranteed by the U.S. Department of Agriculture to promote homeownership in eligible rural and suburban areas. They require no down payment, carry reduced mortgage insurance compared to FHA, and use income limits based on household size and county — limits that are frequently higher than buyers assume.
Downtown Orlando itself is generally too urban to qualify, but many surrounding areas in Lake, Osceola, Polk, and Sumter counties fall within USDA's eligible property map. Eligibility is determined address-by-address using USDA's own maps, so the fastest way to know if a specific property qualifies is to check it directly — we're happy to run that for you before you write an offer.
Areas commonly served: Parts of Lake, Osceola, Polk, and Sumter counties surrounding Orlando. Down payment, rate, and documentation requirements vary by program and borrower — talk to a loan officer for current terms on your scenario.
It depends on the exact address — USDA eligibility is determined property-by-property using USDA's official eligibility map. Many suburban and rural areas in the counties surrounding Orlando qualify even though they don't feel remote.
Income limits are based on household size and county, and are often higher than buyers assume. We can check the current limit for your household against a specific property's county.
No. USDA loans finance up to 100% of the purchase price for eligible properties and borrowers.
Yes, but it's typically lower than FHA's mortgage insurance — an upfront guarantee fee plus a reduced annual fee.
No obligation, no hard credit pull required for an initial conversation.
Talk to a Loan OfficerIcon Mortgage Group, powered by Mpire Financial Group LLC · NMLS# 2108504. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval. Programs and terms vary by state and property.