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.

Compare offers from 100 lenders

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


  • United Freedom Mortgage
  • 7136 Haskell Avenue, Suite 107, Van Nuys, CA, 91406
  • United Freedom Mortgage was born from the idea that the dream of owning a home is at the reach of everyone. With over 25 years of combined experience in Mortgage Loans and Real Estate, we commit to helping you find the best deals to own a house & make your dream a reality. We have helped hundreds of families relocate to their ideal home at a price
  • Funding L.A.
  • 7120 Hayvenhurst Avenue, Suite 217, Lake Balboa, CA, 91406
  • Jennifer founded the Gamero Group. This has set her apart from the rest by providing her clients with added services and support in areas such as, transaction coordinating,high tech marketing and client relations. Whether you are looking for a modest starter home or a luxury estate, Jennifer Gamero is here for all your Real Estate needs
  • National Trust Lending
  • 7100 Hayvenhurst Avenue, Suite 101, Van Nuys, CA, 91406
  • "Mortgage Planners at National Trust Lending take the time to listen to your overall financial goals and dreams of homeownership, and then work with you to put together the best loan program for you.We offer a variety of loan programs for our customers at competitive rates including: Fixed Rate Adjustable Rate Conventional FHA va Jumbo"
  • Streit Lending
  • 15350 SHERMAN WAY STE 210, Van Nuys, CA, 91406
  • Streit Lending (www.streitlending.com) is the bridge and construction lending business affiliated with the Streit Family. We provide borrowers with direct access to private capital through the financial strength and liquidity of the Streit Family. All loans are funded using the Streit Family balance sheet.
  • Kinecta Corporation
  • 1440 Rosecrans Ave, Manhattan Beach, CA, 90266
  • Kinecta is banking done different. While the journey to success isn’t always a straight line, having the right financial partner by your side can make all the difference. We’re excited to be the partner who helps you achieve your goals and dreams, and we’re committed to sticking by you, every step of the way.
  • CR Funding Inc.
  • 30 Cayman Court, Manhattan Beach, CA, 90266
  • Our goal is to be the lender of choice for existing homeowners and for those who are just beginning their homeownership journey. Operating on sound principles, ethics, transparency, and an unwavering commitment to customer service we will earn your business today and in years to come.
  • 1ST LOS ANGELES MORTGAGE
  • 2615 Pacific Coast Hwy, Suite 200, Hermosa Beach, CA, 90254
  • We specialize in Purchase Financing, Refinancing, and Cash Out loans. Local Hermosa Beach Residential Lender servicing Hermosa Beach, Los Angeles, and all of California. With over 20 years in the business, we have the expertise and knowledge to assist you in all of your home financing needs.
  • AWM Realty Inc.
  • 923 6th Street, Hermosa Beach, CA, 90254
  • AWM Realty Inc founder of the Linda Wang-Mizukami has been a Real Estate Broker for over 20 years, and a Mortgage Loan Broker for over 15 years. She owns AWM Realty, Inc. Her company’s portfolio also includes Real Estate Management. She is an excellent negotiator for the purchase and sale of real estate property.
  • South Bay Credit Union
  • 312 N Pacific Coast Hwy, Redondo Beach, CA, 90277
  • For the long version we have to go back to 1953, the year we first opened our doors. It was a year that started with Harry Truman in the Oval Office and Joseph Stalin ruling the USSR in Moscow. If you’re like some of our youngest members (Jessie, age 8, whose mom recently opened a savings account for her) that might as well be “ancient times.
  • King Harbor Wealth Management
  • 1801 South Catalina Avenue, Suite 305, Redondo Beach, CA, 90277
  • "King Harbor is a boutique wealth management business. We are a South Bay based financial advisor with wealth management offices in Redondo Beach and Palos Verdes. Our principal has over 20 years of institutional investment experience. We cater to those seeking a long-term relationship and who value expertise with a disciplined,"
  • SSK Mortgage
  • 234 South Guadalupe Avenue, Unit B, Redondo Beach, CA, 90277
  • Our team is committed to providing our clients with the highest quality financial services. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you’re purchasing your dream home,
  • cbloans.com
  • 116 South Catalina Avenue, Suite 111, Redondo Beach, CA, 90277
  • CB Loans is a reputable Mortgage Broker in California. If you are looking for a professional mortgage broker who knows the ins-and-outs of the loan industry and who will look out for your best interest, look no further. With over 35+ years in the loan industry, CB Loans has been able to help existing homeowners, new home buyers and business people.