In 2026, the USDA loan limit within Beaufort, Carteret County, NC, is $336,500, whereas for a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare top USDA and FHA rates today, and verify the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator helps you see USDA, FHA, Conforming, and VA loans side by side to determine the best program for your financial situation in
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Downpayment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to help you quickly secure the best USDA or FHA loan without hassle. Pick one of three starting points to find matching lenders and suitable USDA loan programs.
The USDA home loan, also called a USDA mortgage or rural development loan, is endorsed by the government through the Department of Agriculture, intended for rural neighborhoods. Unlike FHA loans that require a 3.5% minimum down payment, USDA mortgages necessitate no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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