USDA VS FHA 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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  • 106 Colony Park Drive, Cumming, GA, 30040
  • DearLender is available to help you navigate the many twists and turns of mortgage lending. We are here to assist with any questions or problems that may arise whether you are buying or refinancing a home, consolidating your debt, or need a business or construction loan. Our team of experts is primed and ready to help you find the money you need.
  • Southern Capital Mortgage Group LLC
  • 5971 Parkway North, Suite D, Cumming, GA, 30040
  • Southern Capital Mortgage Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. 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.
  • Harbor Mortgage Services Inc
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  • 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.
  • Community Lenders Group
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  • With over 27 years of experience in the mortgage industry Margaret knows what “service” means to this industry and how to deliver it in a timely manner. You will get a complete and confidential review of credit, debt, and income ensuring your comfort level with financing decisions and the mortgage you can afford.
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  • We offer the personalized service that you desire. Our level of service won't be beaten and our track record proves this. We understand that buying a new home, refinancing your mortgage or cashing out your home equity is a big decision. With our quality service, we will simplify the process and help get the approved mortgage for you.
  • US Mutual Home Loans Inc
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  • Alliance Mortgage Funding Inc
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