FHA VS Conventional loan in Elkin, Surry County, North Carolina

In 2025, the Conventional loan limit in the city of Elkin, situated in the county of Surry, NC, is set at $726,200. The FHA limit for a single-family home stands at $472,030.

Employ the Lendersa® Conventional loan calculator to analyze today's top rates among Conventional, FHA, and USDA loans. It helps you establish the necessary income, credit, reserves, and documentation requirements to qualify. Using our advanced mortgage calculator, you can compare Conforming Conventional loans alongside USDA, FHA, and VA options, enabling you to determine which program in NC best fits your financial situation.

Explore loan offers from a wide range of 100 lenders

2025 Loan Limits and Down Payment Requirements in Elkin, Surry County, NC

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

This comparison is applicable for zip codes: 28621

Exploring Conventional and FHA Loan Options in Elkin, NC

The aim of Lendersa® is to connect you with the finest possible Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of the three starting points that lead to matching lenders and suitable loan programs.

Lendersa's USDA loan request and matching outcomes


  • GML Group
  • 429 Main Street, Suite 1, Danbury, CT, 06810
  • At Global Mortgage Lending, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • First Northern Credit Union
  • 230 West Monroe Street, Suite 2850, Chicago, IL, 60606
  • As a financial cooperative, First Northern Credit Union will serve the financial needs and strive to improve the financial well-being of its participating members. To continue growing as a successful community credit union by meeting the needs of our members. First Northern is a not-for-profit organization in northern Illinois,
  • Community Investment Corporation
  • 222 S. Riverside Plaza, Suite 380, Chicago, IL, 60606
  • COMMUNITY INVESTMENT CORPORATION, Chicago's Multifamily Rehab Lender, is a nonprofit providing mortgage financing to buy and rehab apartment buildings with five units or more in the 6-county metropolitan Chicago area. Since 1999 over 14, 000 landlords and managers have completed CIC property management training to help them better market, manage.
  • Renovo Financial
  • 222 W Adams St #1980, Chicago, IL, 60606
  • Founded in 2011, Renovo is the premier provider of financial and strategic support for real estate investors and property rehabbers who invest in and rehab single-family and small multi-family properties. Renovo powers the growth of its customers’ businesses and the communities they serve by providing timely capital, responsive customer service, an
  • E-Finance Mortgage LLC
  • 948 West Madison Street, Suite CE, Chicago, IL, 60607
  • E-Finance Mortgage is a conscientious devotee of humble service to our clients, offering convenient & low priced home mortgage services for purchase & refinance of the American dream of owning a home.We are focused on becoming the 1st choice in the markets we serve through integrity, exceedingly high business ethics & valuable social responsibility
  • Stateside Private Capital, Inc.
  • 1016 W. Jackson Blvd., Chicago, IL, 60607
  • 50 States Capital, Inc. is a firm that engages capital resources that invest in Hard Money Loans that are asset based (real estate, AR, equipment and Intellectual Properties), Business Loans (Unsecured and Secured), Note Acquisitions, Joint Ventures, Real Estate Investments and Mergers & Acquisitions.
  • Xcapital Inc
  • 311 West Superior, Suite 207, Chicago, IL, 60654
  • Xcapital are always competitive and in my experience, are among the lowest available. Just check out their website to see. The loan process is fast and efficient with most steps being covered in emails that I find very convenient. I recently completed a cash-out refi. with only one phone call being made through the entire process.
  • Private Client Mortgage Group
  • 430 W. Erie St, Suite 300, 310, Chicago, IL, 60654
  • We are dedicated to providing a fast, efficient mortgage process. Our transparent digital mortgage experience is backed by superior customer support. We’re using technology to change the way people finance their homes. Give every client the best loan possible without sacrificing service, experience or integrity!
  • Commercial Lending
  • 116 W. Hubbard, Suite 200, Chicago, IL, 60654
  • Commercial Lending X is a finance and loan company that assists businesses in locating and securing loans for commercial ventures. Asset types managed by this company include asset based loans, working capital lines, industrial equipment financing and loans, business start, business acquisition, leasehold improvements.