FHA VS Conventional loan in Gastonia, Gaston County, North Carolina

In 2026, the conventional loan limit in Gastonia, situated within Gaston, NC, is $726,200. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Utilize the Lendersa® Conventional loan calculator to explore and compare today's prime rates among Conventional, FHA, and USDA loans. Determine the requisite income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator helps you view Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program in NC for your financial circumstances.

Explore loan offers from over 100 lenders

2026 Loan Limits and Down Payment Requirements in Gastonia, Gaston, NC

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

Applicable to zip codes: 28054

Exploring Conventional and FHA Loan Options in Gastonia, NC

Lendersa® strives to quickly secure you the most advantageous Conventional, USDA, or FHA loan without hassle. Begin with one of three starting points to match with lenders and tailored loan programs.

Outcomes for Lendersa USDA loan requests and matches


Gastonia Lenders

  • Alliance Bank & Trust Company
  • 292 W Main Ave, Gastonia, NC, 28052
  • Lends in North Carolina
  • Alliance Bank & Trust is committed to being the premier financial services organization in our market and to provide outstanding quality service to our customers. We are committed to analyzing our customer’s financial needs and ensuring that we provide them with the financial products

  • Carolinas Telco Federal Credit Union
  • 2821 Crisman Street, Charlotte, NC, 28208
  • Lends in North Carolina
  • Carolinas Telco Federal Credit Union (CTFCU) has been serving members across the Carolinas since 1934. We offer credit union services to the following groups: Those employed with or retired from one of our current preferred business partners. Members of the NC Consumers Council (NCCC) or other approved association.

  • Nova Credit Union
  • 3601 Mulberry Church Rd, Charlotte, NC, 28208
  • Lends in North Carolina
  • Nova Credit Union provides low cost personal financial services including Secure Checking, mobile banking (eBranch), auto loans, home loans and savings & investment accounts. Members may access their accounts at and 30, 000 ATMs and 5, 000 branches in the USA through the Shared CO-OP Network and five local branches in NC.

  • Blue Flame Credit Union
  • 4301 Yancey Road, Charlotte, NC, 28217
  • Lends in North Carolina
  • Founded in 1954 to provide fair-priced financial services to the employees of Piedmont Natural Gas, Duke Energy and all subsidiaries, later Heritage Propane and AmeriGas, Blue Flame Credit Union continues to be a safe haven for members looking for a safe and sound financial alternative.

  • Cardinal Financial Company
  • 3701 Arco Corporate Drive, Suite 200, Charlotte, NC, 28273
  • Lends in North Carolina
  • When we started Cardinal Financial, we set out with the intention of creating a better mortgage experience. We wanted to reimagine and modernize the way home loans are obtained by bringing increased transparency, simplicity, and speed into an industry that has oftentimes lacked all three.

  • Mullinix Mortgage Group
  • 2108 South Blvd, Suite 214, Charlotte, NC, 28203
  • Lends in North Carolina
  • Mullinix Mortgage Group is a trusted local lender, backed by an independent mortgage company with more than 20 years in the industry.

    Founded by one of The Carolina’s top mortgage professionals, Will Mullinix, Mullinix Mortgage Group has established itself as a leader in the industry

  • Peak Financial Group Inc
  • 2125 Southend Drive, Unit 451, Charlotte, NC, 28203
  • Lends in North Carolina
  • Peak Financial Group, Inc. is a family-owned mortgage business, licensed in NC and SC, located in Historic Southend, Charlotte. The business opened its doors in September 2011 and also Peak specializes in industry knowledge/expertise, personalized customer service, low interest rates, competitive pricing, and diverse loan programs.

  • Eagle Financial Services Inc
  • 2923 South Tryon Street, Suite 220, Charlotte, NC, 28203
  • Lends in North Carolina
  • At Eagle Financial Services Inc. we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs