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2018 USDA Eligibility Maps have been Updated!

March 23rd, 2018 by Sean Stephens

When will the 2018 USDA Eligibility Maps go into effect and how do you find out if your area is still considered rural?

In today’s video, I will discuss in detail the updated USDA Eligibility Maps, how to determine what areas will become ineligible, and key dates on when it becomes effective.

Now, if you have not yet done so, feel free to download our newest “USDA Blueprint” with the link below. This educational resource is designed to help walk you through the USDA process step-by-step and is a great educational resource for both homebuyers and Realtors alike.

For a quick background on today’s topic, after a comment period which commenced on December 1, 2017, certain areas had been selected for further review in order to determine if their USDA eligibility would contiSebring FL USDA Approved Lendernue.

On a positive note, I took action and participated by submitting detailed reports during this comment period that were able to help preserve the Florida USDA Eligible Areas of Sebring and Zephyrhills.

However, because of population increases and other factors, there are many areas which unfortunately lost their eligibility.

As a result, on March 16, 2018 Rural Development announced the release of the updated USDA Area Eligibility map which shows both the current and proposed ineligible areas that go into effect on June 4, 2018.

  1. First off, you will need to access USDA Income and Property Eligibility Site, and is a direct link for your convenience: USDA Eligibility Map
  2. Start by clicking on “Single Family Housing Guaranteed” as the program in the upper left corner
  3. Then you will either select the “Property Eligibility” tab for all currently eligible properties or the “Proposed Ineligible Areas” tab for any areas that will be ineligible as of June 4th, 2018
  4. Next, you will click on “Accept” in the lower right hand corner.2018 Florida USDA Eligible Area Map
  5. Finally, you will be taken to the USDA Eligibility Map where you can enter in a specific address and press GO!; or manually navigate to find a general area of interest.

Now, the good news is that the proposed ineligible areas do not take affect until June 4th, 2018 and provided that the following is met prior to that date, the properties located in an area changing from rural to non-rural may still be approved for a USDA loan if all of the following conditions are met:

  1. The application is dated and received by the lender prior to June 4, 2018 and the Loan Estimate was issued by the lender within 3 days of application receipt.
  2. The applicant has a signed/ratified sales contract on a property that is dated prior to June 4, 2018.
  3. Applicant meets all other loan eligibility requirements.

Timing is critical right now for those buyers and Realtors looking for properties in existing eligible areas that will be losing their rural designation, and if you are not sure if about an area’s eligibility, call my office so we can review and advise.

Tampa FL USDA Approved Lender List

Having a lender that understands the USDA process for pre-qualification to closing is critical to a successful transaction, and as the 2017 #1 Ranked USDA Approved Lender in Florida, our program experience and expertise helps homebuyers maximize the benefits of this unique program.

Remember, no question is too big or too small because we are here to help!

Just call or email to discuss your scenario, and let us show you the “Metroplex” difference!

800-806-9836 est. 280 

I want everyone to make it a great day and look forward to seeing you right here for the next tip of the week!

P.S. – Don’t forget to download our USDA blueprint for success with this link below:

Tampa FL USDA Approved Lender List #1 Ranked


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