USDA Loans in Ocala & Central Florida
Zero-down financing for eligible rural and suburban areas
USDA loans are one of Central Florida's best-kept secrets. Backed by the U.S. Department of Agriculture, they offer zero down payment financing for qualified buyers purchasing in eligible areas --- and much of Marion County and Citrus County qualifies, including communities around Belleview, Dunnellon, Citra, Fort McCoy, Beverly Hills, and Floral City. For buyers with moderate incomes, USDA can be the fastest path to owning a home.
What to know about USDA loans
- No down payment required for qualified buyers
- Much of Marion and Citrus County is eligible
- Competitive rates and reduced mortgage insurance costs
- Flexible credit guidelines
- Can finance many homes with acreage, and eligible manufactured homes
Who usda loans serve best
- Buyers with moderate household incomes
- First-time buyers purchasing outside Ocala's urban core
- Buyers seeking homes with land in rural Marion or Citrus County
- Anyone who wants to preserve savings for moving and settling in
USDA loan questions
Have a question about usda loans? Call or text Loni at 352-598-1843.
All loan programs are subject to qualification, underwriting approval, and program availability.
Which areas near Ocala qualify for USDA loans?
Are there income limits for USDA loans?
Explore more programs
Wondering if a usda loan fits you?
Loni will review your situation and compare every program you qualify for --- with real numbers, side by side.