HillsboroughCounty is the largest county that is comprised in the Tampa Bay area, and the largest city in the area, Tampa, is located there. With Tampa being the 4th largest city in Florida it isn’t eligible for the USDA loan, however there are still some outlying communities within Hillsborough county that are eligible for the USDA loan.
The advantage of a Hillsborough County USDA loan is that you can purchase a home with no money down that is just a few miles away from a major city like Tampa. Most of the eligible areas are located in the southern and northeastern part of the county. Some communities include Dover, Valrico, and Ruskin to just name a few. The income limits are $74,050 for a family of 1-4 person, and $97,750 for a 5+.