USDA Closing time frame ?

Mortgage and Lending with USDA / FHA Mortgage Source

We have been receiving many questions lately regarding the USDA / Rural Development closing times. We have some past blog posts that talk about the USDA closing times as well.

In short, yes the USDA home loan closing process typically takes on average 5-10 days longer when compared to other loans ( FHA / Conventional loans)

The reason for this is because USDA / Rural home loans go through a secondary approval process with the local  USDA office once fully approved by the lender.  Once you have a fully approved/ executed sales contract on a home, plan on the USDA closing time taking anywhere from 30-45 days to complete.  Again, the exact time will be depend on what county your new home is located in. 

Counties in north Florida and the panhandle ( Clay county, Alachua County, Gulf County, Bay County to name a few) have faster USDA closing times when compared to other counties in central /south Florida like Polk county, Hillsborough county, Pasco county, Sarasota county,  etc.  Generally the counties in central and south Florida will take the most time.

Please be sure not to confuse the USDA closing time frame with the USDA pre qualification process time. The pre qualification time ( the time it takes to check your pre qualification factors) only takes 20 min to complete.  We can general issue your USDA pre qualification letter on the same day. Again, the closing time frame only applies to the time it takes once you are in contract on a home.

Need a USDA home loan pre approval ? Please click here to learn more

USDA Mortgage Source is Florida's leader for all 100% USDA / Rural Development home loans. Panama City, Tallahassee, Gainesville, Orlando, Tampa and everywhere in between - please visit our main web site at or call 904.302.6060 to learn more about the benefits of 100% USDA / Rural Development home loans here in Florida. We are available to serve you seven days a week.


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Jamie Chambers

USDA /FHA Mortgage Source
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