In 2026, the USDA loan cap in Apex, located in Wake county, NC, is $336,500, whereas the FHA cap for a single-family house is $502,550.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine the necessary income, credit score, reserves, and documentation required to qualify. With our comprehensive mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you select which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $502,550 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to expedite acquiring the best USDA or FHA loan efficiently and without stress. Choose one of three starter paths to get matched with lenders and USDA loan programs.
USDA home loans are government-guaranteed loans provided by the Department of Agriculture, often called USDA rural development loans or USDA mortgages. These loans are exclusively available for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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