USDA Home Loan - Affordable Financing For Rural Florida Properties

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Affordable Home Ownership

Seacoast USDA Home Loan Features

  • A zero-down-payment mortgage for homebuyers in eligible towns and rural areas
  • Loans are guaranteed by the USDA Rural Development Guaranteed Housing Loan Program, a part of the U.S. Department of Agriculture
  • 100% financing option
  • Low-interest rate
  • Income limitations
  • Flexible credit history
  • Low monthly private mortgage insurance (PMI)

To qualify, the homebuyer must:

  • Live in or will purchase in areas defined by the USDA as rural
  • Have a low-to-moderate income for their area
  • Be a first-time or repeat homebuyer


Calculate Your Payment

Learn More About Applying for Your USDA Home Loan

  • Are you just getting started in your home search? Get pre-qualified today so when you start home shopping, you're ready to make an offer.
  • Do you have questions about the mortgage process? Speak with one of our Mortgage Loan Officers today.
  • Have you found your dream home? Apply to begin achieving your dream of home ownership.
  • Explore other Seacoast Bank mortgage options.

Applying for Your USDA Home Loan Online is Easy

  1. Create Your Account: Easily create a secure online personal mortgage portal that will be your private account for the duration of your application and approval process.
  2. Begin Your Application: We understand the mortgage application process can be time consuming, and life is busy. Within your online account you’re able to start an application and save your progress to return to when it’s most convenient for you.
  3. Track Your Application: Quickly and easily track the progress of your mortgage application in your personal account. Conveniently see at all times how your application is moving along through the approval process.

Apply Now

Seacoast is here to support you with:

Local Florida Mortgage Experts

Local Florida Mortgage Experts

With 90+ years of Florida mortgage experience, we know what it takes to get you into the home of your dreams. Connect with our local mortgage specialists online, in-person or over the phone.

Quick Closing

Quick Closing

Fast closing means that we'll get you into your new home as soon as possible.

Accurate Appraisals

Accurate Appraisals

A local underwriter means an accurate appraisal to ensure the value of your new home.

Step-By-Step Guidance

Step-By-Step Guidance

Our local experts are happy to provide hands-on guidance throughout the mortgage process. 

Have Questions? Speak with a Seacoast Banker

As your local banking option, we are here to answer any questions you have. Fill out the form below, and a Seacoast Banker will be in touch soon.

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Loan subject to credit approval. Maximum loan limits apply. Property must be located in a rural area and meet certain criteria. Single family owner occupied only properties qualify. Income must not exceed 115% of area medium income. Other restrictions may apply.