USDA Vs. FHA Pro and Con comparison in Bayshore, New Hanover County, NC

In 2025, the USDA loan limit for Bayshore in New Hanover County, NC is $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates, and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose the program that best suits your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Bayshore, New Hanover County, NC

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

Exploring USDA and FHA Loan Options in Bayshore, NC

The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three pathways that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan, also known as USDA mortgage or rural development loan, is backed by the Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment, making them more accessible.

Enter your location to find out if it qualifies for USDA rural housing loan?



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