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USDA Loans · FL

USDA Rural Home Loans in Celebration, FL

USDA is the only true zero-down program in Celebration that does not require military service. Against FHA's 3.5% minimum of $16,275, that is the entire down payment saved. The tradeoff is the $4,650 upfront guarantee fee (financed into the loan) and a $136/month annual fee — lower than FHA's mortgage insurance, and the reason USDA's all-in payment of about $3,066/month compares with roughly $3,054/month on FHA at the same price.

Part of our statewide guide toUSDA loans in Florida— programs, limits and every city we cover.

Down Payment
$0
Monthly Total
$3,066/mo
Income Limit (1-4)
$132,100
vs FHA
$0 down

Is Celebration USDA-Eligible?

Yes — Celebration is USDA-eligible

Celebration sits in Osceola County, which contains USDA-designated rural areas under the Guaranteed Rural Housing program. Eligibility is drawn address by address rather than by city name, and the boundary can run down a single street — so we check the exact parcel on the USDA eligibility map before you write an offer. Celebration is a suburban market built around newer single-family stock and school-district demand, and at a $465,000 median the price point sits comfortably inside what USDA underwriting supports.

Eligibility is address-specific. We'll verify your target property against the USDA map before you write an offer.

Income Limits — Osceola County

Household Size2026 Income Limit
1-4 person$132,100
5-8 person$174,400

USDA uses adjusted household income (after allowable deductions), not gross. Some earners above these limits still qualify after deductions.

USDA Monthly Payment — Celebration

Typical purchase price$465,000
Down payment$0
Upfront guarantee fee (1%)$4,650 (rolled into loan)
Monthly P&I$2,930
Annual fee (monthly)$136/mo
Monthly total$3,066/mo

Comparable FHA payment: $3,054/mo. Payments land close to FHA here, but USDA needs no down payment at all — that is the real saving.

How a USDA loan works in Celebration

The USDA Single Family Housing Guaranteed Loan Program lets eligible buyers in USDA-designated rural areas purchase with no down payment. Loans are made by approved lenders and guaranteed by USDA Rural Development. Eligibility depends on both the property's address and your household income.

On a $465,000 home in Celebration, financing the 1% upfront guarantee fee ($4,650) brings the loan to about $469,650. Principal and interest run near $2,930 a month, plus the 0.35% annual fee — about $136 a month — for an estimated $3,066 before taxes and insurance. An FHA loan on the same home would need about $16,275 down.

For Osceola County, USDA's FY 2026 income limit is $132,100 for households of 1–4 people and $174,400 for 5–8 people. The test uses adjusted income for the whole household, not just the people on the loan, after allowed deductions such as dependents and childcare.

USDA requirements for Celebration buyers

  • The property must be in a USDA-eligible area — check the exact address on USDA's eligibility map before writing an offer.
  • The home must be your primary residence; investment properties and second homes don't qualify.
  • Adjusted household income at or below the Osceola County limit above.
  • USDA sets no minimum credit score, but most lenders look for about 640 or higher for automated approval.
  • 30-year fixed rate only.
  • A 1% upfront guarantee fee (can be financed) and a 0.35% annual fee paid monthly.

FAQs

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0% down, no PMI, and the cheapest monthly payment for eligible buyers.

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