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A USDA Home Loan is a type of mortgage loan offered by the United States Department of Agriculture (USDA) to help low to moderate income households in rural areas purchase a home.

A key benefit of the USDA Loan is that they do not require a down payment, making it easier for low to moderate-income households in rural areas to purchase a home. They also generally come with lower interest rates compared to traditional mortgage loans. Another benefit of a USDA Home Loan is that it offers more flexible credit and income requirements compared to traditional mortgage loans.

To be eligible for a USDA Home Loan, you must meet certain requirements, like being a U.S. citizen or permanent resident, and meet the income requirements set forth by the USDA. In addition, the home you purchase must be in a USDA-designated rural area and must be your primary residence. Like FHA loans, USDA loans come with both Upfront Mortgage Insurance of 1% and an Annual Mortgage Insurance Premium (MIP) but at a lower rate than FHA.  

Overall, a USDA Home Loan can be a valuable resource for Floridians. With no down payment required, low-interest rates, and flexible credit and income requirements, a USDA Home Loan can help make homeownership more accessible and affordable for those who need it most. So, which areas qualify as “rural”? As it turns out, over 90% of the US is eligible. Click here for an eligibility map for more details!

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