USDA Home Loans

Zero Down. More Home. Welcome to the Country-Smart Mortgage.

USDA loans make homeownership possible in eligible rural and suburban areas — no down payment required.

USDA home loans are backed by the U.S. Department of Agriculture and built for folks who want to buy in designated rural areas — with zero down.

No, you don’t need a farm. And yes, many areas around DeLand, DeBary, and Orange City qualify. It’s one of the most affordable ways to become a homeowner in Central Florida.

How it works

Step 1

We check if the property (and your income) meet USDA guidelines.

Step 2

We walk you through the unique benefits and requirements.

Step 3

You submit some basic documents — no surprises.

Step 4

We match you with lenders offering the best USDA rates.

Step 5

You close on a home with no down payment and great terms.

Who It's For

  • First-time and repeat buyers looking in USDA-eligible areas


  • Families who need room to grow — without a big upfront investment


  • Buyers with moderate income and limited savings



  • Anyone who wants lower monthly payments and a path to ownership

USDA Loan FAQs

  • What areas qualify for USDA loans?

    You’d be surprised — much of West Volusia County and pockets of Seminole qualify. We’ll confirm property eligibility for you.

  • What are the income limits?

    USDA loans are meant for moderate-income families. Limits vary by county and household size — we’ll help you run the numbers.

  • Is the $0 down really $0?

    Yep. You may still need funds for closing costs, but many borrowers roll those into the loan or use seller credits to cover them.

  • Do I have to be a first-time buyer?

    Nope. USDA loans are open to eligible buyers regardless of past ownership history.

  • Are USDA loans slower to close?

    They can take slightly longer due to government approval, but with a good lender (like us), the delay is minimal and manageable.

Why Acceptance Mortgage Solutions?

We’ve helped countless buyers unlock USDA financing — even in places they didn’t expect to qualify. Our deep local knowledge of Florida’s housing maps means we can quickly assess your options and help you move forward with confidence, not confusion.


Benefits You Can Expect


  • $0 down payment required
  • Below-market interest rates
  • Reduced mortgage insurance costs
  • Flexible credit requirements
  • Available in many parts of West Volusia and surrounding counties
An elderly woman in an apron is standing in a greenhouse.

Ready to take the next step?

If you’re house-hunting in the quiet corners of Central Florida, a USDA loan might be your secret weapon. Let’s find out if it’s a fit.