Up to $0 toward a down payment in FL.
USDA Direct Loan provides 100% financing directly from USDA to very low and low income buyers in rural Florida. Payment assistance subsidy can reduce effective interest rate to approximately 1%. Current rate (April 2026): 5.00% before subsidy.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on USDA Single Family Housing Direct Loan (Florida): what it is, who it is for, what the program sets and what your lender sets, where it applies and how to apply. Based on program data from July 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.