Explore the differences! FHA VS Conventional loan programs in Nags-Head, Dare County, North Carolina

As of 2025, the Conventional loan limit in Nags-Head, located in Dare, NC is $647,200. The FHA limit for a single-family residence in the same area is $471,500.

The Lendersa® Conventional loan calculator offers a comparative view of today's best rates for Conventional, FHA, and USDA loans. Assess what income, credit, reserves, and documents are necessary to qualify. By using our advanced mortgage calculator, you can juxtapose Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in choosing the optimal program in NC for your financial needs.

Compare offers from a selection of 100 lenders

Loan limits and downpayment criteria for 2025 in Nags-Head, Dare, NC

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $317,400 0%
FHA $471,500 3.5%

The information in this table is applicable for these zip codes: 27959

Available Conventional and FHA loan options in Nags-Head, NC

Lendersa® is dedicated to helping you quickly and effortlessly secure the best suitable Conventional, USDA, or FHA loan. Choose from one of three starting paths to connect with the most suitable lenders and loan options.

Results from Lendersa's USDA loan request matches


  • Hopewell Chemical Federal Credit Union
  • 702 Elm Street, Hopewell, VA, 23860
  • Hopewell Chemical Federal Credit Union has been open since 1965. The credit union has assets totaling $49.69 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 financial banking services to multiple member groups
  • NC Community Credit Union
  • 2401 E Ash St, Goldsboro, NC, 27534
  • NC Community Credit Union has provided quality financial services to help members achieve their financial goals. Your Community Credit Union is committed to serving individuals, businesses, and other organizations who live, work, worship, or attend school in Wayne County. As a credit union member, you’re also the owner!
  • Chesapeake Bank
  • 97 North Main Street, Kilmarnock, VA, 22482
  • Chesapeake Bank’s roots stretch deep into the sandy soil of Virginia’s Northern Neck and reach back to the dawn of the twentieth century. Originally charted as Lancaster National Bank on April 13, 1900, we’ve been focused on our community from the very beginning. The Bank’s first clients were watermen, farmers and small business owners.
  • Citizens and Farmers Bank
  • 415-14th Street, West Point, VA, 23181
  • The founders of C&F Bank recognized the need for a strong, solid financial institution that would serve local businesses and the customers that lived and worked in our communities. Through the years, C&F Bank has proved that dedicated, well-trained employees, a commitment to outstanding service & a diverse offering of quality financial products.
  • Baylands Family Credit Union
  • 2004 Main Street, West Point, VA, 23181
  • Baylands Family Credit Union was formed over 70 years ago to assist with the financial needs of the West Point paper mill employees and their families. Over time Baylands has grown to become a state-chartered community credit union with a robust platform of services to offer all our members.
  • Trinity Mortgage Group, LLC
  • 116 Scrimshaw Drive, Chester, VA, 23836
  • 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.
  • Commonwealth Mortgage & Investments, Inc
  • 3740 West Hundred Road, Chester, VA, 23831
  • Commonwealth Mortgage and Investments, is a local mortgage company located in Chester, Virginia and has been servicing the Tri-City area for the past 25 years in the same location. They offer all type of mortgage loans and also With over 20 years in the business, we specialize in VA loans and have some of the best VA interest rates in the area.
  • First Carolina People's Credit Union
  • 201 East Ash Street, Goldsboro, NC, 27530
  • First Carolina People’s Credit Union was formed in 1950 and chartered in 1952 under the name of Goldsboro Postal Credit Union to provide postal employees and their families with high quality services, to promote the wise use of their financial resources and complement their diverse lifestyles. Membership is a family affair.
  • Call Federal Credit Union
  • 4605 Commerce Road, Richmond, VA, 23234
  • Call Federal Credit Union provides passionately local banking by opening doors to your financial health. Our mission is to establish relationships that allow us to offer the right products and services that lead to positive financial results for our members and their families. Call Federal was founded in 1962.
  • 1st Call Mortgage LLC
  • 8339 Wetherden Drive, Mechanicsville, VA, 23111
  • 1st Call Mortgage 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
  • 804Mortgage, LLC
  • 708 Chimborazo Blvd, Richmond, VA, 23223
  • We are a full-service mortgage company based in Richmond, VA. We specialize in VA Loans, FHA Loans,& JUMBO Loans in Richmond. We also serve the surrounding cities in Richmond City County. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
  • Atlantic Union Bank
  • 1051 E Cary St, Suite 103, Richmond, VA, 23219
  • Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank. Atlantic Union Bank has 149 branches located throughout Virginia, and in portions of Maryland and North Carolina. We believe people have a right to expect more from the companies they do business with – and they can expect more from Atlantic Union Bank.