In 2026, the USDA loan limit in Asheville, within Buncombe, NC is $336,500, while the FHA limit for a single-family home is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates, and determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA options can be assessed side by side, aiding your decision on the best program in for your specific needs.
Loan Limits and Down Payment Requirements for 2026 in Asheville, Buncombe, NC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Asheville, NC
Lendersa® aims to provide the best USDA or FHA loans promptly and without hassle. Choose one of three starting pathways to connect with lenders and explore USDA programs.
The USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or mortgage, is available solely in rural settings. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require none.
Telco Community Credit Union has been providing financial services to communities in the Western North Carolina Area for over 80 years. We were organized in 1935 to serve the employees of the Southern Bell Telephone System. Today, we are a community chartered credit union serving in 21 counties.
151 Patton Avenue, Suite 280, Asheville, NC, 28801
Lends in North Carolina
Arcade Credit Union is a non-profit financial cooperative that is owned by its members. We were chartered in 1952 and serve the employees and retirees of the Federal Building and the Federal Courthouse Building. We also serve multiple companies. All members’ immediate families are also eligible for membership.
ALFIE is a real estate collateral-based lender specializing in creative solutions for individuals looking to purchase or refinance a variety of real estate investments. At ALFIE, we recognize that traditional financing isn't always an option or may not be the right fit for your needs.
HomeTrust is a regional community bank, focused on the areas we serve by providing better financial services and community support. We have more than 40 banking locations across North Carolina, Upstate South Carolina, East Tennessee and Southwest Virginia, as well as banking through online and mobile channels.
PlumDog, we believe the most important decision a client makes is choosing the right mortgage company to assure the best possible results for their investment. When dealing with your largest asset and greatest liability, one quickly understands the need for personalized lending assistance.
At Lucid Lending we look forward to matching you with the best mortgage program to fit your needs. We know everyone has a different situation, some are more unique that others, and it is important that you work with someone that has the knowledge and experience of the constantly changing mortgage industry.
We specialize in USDA Loans in Buncombe, Henderson, Madison, Transylvania, Haywood McDowell, Polk and Rutherfordton County. We also serve the cities surrounding Asheville such as Hendersonville, Weaverville, Marshall, Brevard, Candler, Waynesville, Etowah, Mills River, Burnsville, Spruce Pine, Black Mountain, Swannanoa, and Old Fort.
MortgageMatchMakers.com, we understand that for most people, a home is the single biggest purchase you will ever make. Yet most people shop around more for a pair of shoes! As an independent mortgage banker, we do the shopping for you. Our goal is to match you with the perfect mortgage.
Founded in 2000, TDG serves over 1.2 million individual product customers. We've created a diverse and dynamic workplace where our agents thrive while helping our clients protect what they care about and achieve their financial goals. From day one, you'll have the power to build your own skills and potential
