Explore the differences! FHA VS Conventional loan programs in Concord, Cabarrus County, North Carolina

As of 2025, the conventional loan limit in Concord, located in Cabarrus, NC, is $726,200. The FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to assess and compare the best rates available today for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays options like Conforming Conventional, USDA, FHA, and VA loans side by side, guiding you in selecting the ideal program for your financial scenario in NC.

Explore loan offers from 100 different lenders

2025 Loan Limits and Down Payment Requirements in Concord, Cabarrus, NC

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table applies to the following zip codes: 28025, 28027, 28026

Options for Conventional and FHA Loans in Concord, NC

Lendersa® aims to quickly connect you with the best available Conventional, USDA, or FHA loan without hassle. Choose one of three starting paths that lead to matching lenders and tailored loan programs.

Results for Lendersa USDA loan requests and matchings


  • iLending Mortgage LLC
  • 7702 East Double Ranch Road, Suite 300, Scottsdale, AZ, 85258
  • "iLending Mortgage is a full-service mortgage company that provides home loans and refinancing options to meet the needs of a growing base of clients. Based in Scottsdale, Arizona, we offer flexible options for loan programs from fixed or adjustable rates mortgage, hybrid arms, FHA, VA or Jumbo loans and many more."
  • Pinnacle Peak Lending Inc
  • 8655 East Via De Ventura, Suite G-151, Scottsdale, AZ, 85258
  • Pinnacle Peak Lending, Inc. is a full service Arizona mortgage company. Based in Scottsdale, Arizona, we are the Arizona-based mortgage company that wants to be your trusted partner in the Arizona mortgage industry to help you meet your current residential mortgage needs and long-term financial goals.
  • Scratch Funding LLC
  • 9525 E Doubletree Ranch Road, Suite 102, Scottsdale, AZ, 85258
  • Scratch Funding LLC mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • F.T.Financial, Inc.
  • 9420 East Doubletree Ranch Road, Suite C-110, Scottsdale, AZ, 85258
  • At F.T. Financial, Inc, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Holmberg Capital, LLC
  • 7702 East Doubletree Ranch Road, Suite 300, Scottsdale, AZ, 85258
  • Holmberg Mortgage is Arizona’s premier full service mortgage and private lending company. Our mission is to deliver our clients the best interest rates and terms possible with the lowest closing costs. We are not like typical banks or online mortgage lenders. We don’t charge “junk” fees or excessive closing costs
  • Galaxy Lending Group LLC
  • 8687 E VIA DE VENTURA, Scottsdale, AZ, 85258
  • Galaxy Lending Group, LLC provides home loans and personalized mortgage counseling to Arizona, Colorado, Oregon, Texas and Washington residents looking for a reputable and responsible mortgage lender. With two decades of experience in residential lending, we can find the right loan at a competitive rate even in today's tough economy.
  • V.I.P. Mortgage, Inc.
  • 9221 E Via de Ventura, Scottsdale, AZ, 85258
  • VIP wasn’t started as a company, but as an idea. An idea that the mortgage lending process could be simplified. An idea that the dream of homeownership is very much alive and well. And, an idea that the people working on your loan understand what you are going through because they have been there themselves.
  • TOP FLITE FINANCIAL, INC.
  • 9590 E. Ironwood Square Drive, Suite 222, Scottsdale, AZ, 85258
  • Top Flite Financial Inc was started in an eighty square foot home office in 2002 by Tim and Tracie Baise. Since its inception, Top Flite has grown to more than 60 retail office locations nationwide, with roughly 340 employees in 34 states. The same husband and wife team who launched the company are still the first employees in the door every day,
  • Inca Capital
  • 7377 East Doubletree Ranch Road, Suite 190, Scottsdale, AZ, 85258
  • INCA Capital is a direct source of private capital for financing all types of real estate in the Southwest including Arizona, California, Colorado, Nevada and Utah. With over 75 years’ experience in real estate financing, construction and development, we are able to originate, underwrite, structure and fund all types of real estate loans.
  • BANNER FEDERAL CREDIT UNION
  • 525 W Brown Rd, Mesa, AZ, 85201
  • Banner Federal Credit Union was originally chartered as a Federal Credit Union on April 23, 1957. The credit union has grown from an original membership of 22 to 9,180 as of November 2015. We are not a bank; we are a credit union, a not-for-profit, full-service financial institution, owned by our members.