Explore the differences! FHA VS Conventional loan programs in Kinston, Lenoir County, North Carolina

In 2025, the Conventional loan limit in Kinston, within the county of Lenoir, NC, is set at $726,200, whereas the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® Conventional loan calculator for comparing current best rates between Conventional, FHA, and USDA loans, assessing income, credit, reserves, and documents essential for qualification. Our sophisticated mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side, helping you determine the most suitable program in NC for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Kinston, County of Lenoir, NC

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

This comparison table pertains to the zip codes: 28501, 28504, 28502, 28503

Explore Conventional and FHA Loan Options in Kinston, NC

The mission of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan swiftly and without hurdles. Choose from three starting options that lead to matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Mortgage Pro
  • 1980 Summit Drive, Dunedin, FL, 34698
  • Our 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.
  • Level Up Home Loans LLC
  • 42191 East Ann Arbor Road, Plymouth, MI, 48170
  • Level Up Home Loans 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.
  • Key Mortgage Ink
  • 42875 Five Mile Rd., Plymouth, MI, 48170
  • Our 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.
  • Home Smart Mortgage
  • 352 N Main, Suite 1, Plymouth, MI, 48170
  • Marc Nocera founded Home Smart Mortgage on the premise of offering competitive rates I was not able to offer through the branch correspondent models that have more padding in the rates." Marc Nocera has been in the real estate business for over 15 years. He started his career in real estate in mid 1990′s in West Bloomfield, Michigan.
  • Community Financial Credit Union
  • PO Box 8050, Plymouth, MI, 48170
  • Community Financial Credit Union is a not-for-profit, full-service financial institution headquartered in Plymouth, MI, with 13 branches in southeast and northern Michigan. For 70 years, Community Financial has been committed to giving back to the communities it serves.Membership is also available for businesses and other legal entities.
  • Northstar Mortgage Corp
  • 555 High St, Suite 302, Westwood, MA, 02090
  • We have been helping our clients finance their homes in the Commonwealth of Massachusetts since 1990. Our value proposition is simple: we take the time to understand your needs and provide personal service you can rely on. Buyer’s agents love working with us because we don’t just pull a credit report like so many big banks often do.
  • Tuscaloosa VA Federal Credit Union
  • 3701 Loop Road East, Tuscaloosa, AL, 35404
  • Tuscaloosa VA Federal Credit Union is a not-for-profit, member-owned, financial cooperative, committed to providing members with the financial services they need, when and where they need them — affordably, conveniently and professionally. Tuscaloosa VA Federal Credit Union was established in November 1951.
  • Red Oak Credit Union
  • 1008 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • Red Oak Credit Union is owned by the members and managed and operated by a professional full-time staff and a 7-member board of directors. The board of directors are elected by the members and themselves are members. All deposits are insured to at least $250,000 by the National Credit Union Administration.
  • Alabama Rural Electric Credit Union
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • ARECU started with the dreams of seven in 1969, and in 2020 we are excited to be Alabama Rural Electric Credit Union, a division of Alabama ONE. The merger with Alabama ONE Credit Union in April of 2020 brings a myriad of improved products and services with the added strength of Alabama ONE's legacy of exceptional service.
  • ALABAMA ONE
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • Alabama ONE was chartered in 1951 as the TRW Federal Credit Union. The name was changed to BF Goodrich Employees Federal Credit Union on July 18, 1973, and remained that through many years of growth and prosperity. In early 2001, BF Goodrich Employees Federal Credit Union was granted the status of a Community Credit Union.
  • Lakeside Credit Union
  • 1008 Broadway, New Johnsonville, TN, 37134
  • Lakeside Employees Credit Union has been open since 1991. The credit union has assets totaling $42.43 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • LOC Credit Union
  • 22981 Farmington Road, Farmington, MI, 48336
  • At LOC Credit Union, we’re ready for you. No matter where you are in life, we’re dedicated to taking you further. That first savings account where every dollar matters. That vehicle for which costs and need can conflict. That home that can be the foundation for life or a burden. Those dreams you’ve always had.