0% down in eligible suburban and rural areas — and more of Southwest Florida qualifies than you'd think. Send us an address and we'll check it in minutes.
USDA loans are backed by the U.S. Department of Agriculture to encourage homeownership outside dense urban cores. Despite the name, you don't need a farm — many established suburban neighborhoods qualify, including areas around North Port, Punta Gorda, and east of Fort Myers. Eligibility is address-specific and income-capped.
Eligibility is determined by exact address on USDA's maps. Send us any address you're considering and we'll check it in minutes — before you fall in love with the house.
Limits vary by county and household size, and they're higher than most people expect — a moderate dual-income household often still qualifies. We'll check your numbers against your county's limit.
If the address qualifies and you're within income limits, USDA usually wins: 0% down versus 3.5%, and cheaper monthly insurance. If not, FHA is the flexible fallback. We'll price both.
Call or apply and we'll confirm USDA eligibility for any property you're considering — free, fast, no obligation.