FHA Vs. USDA loan program for Bessemer-City, Gaston County, North Carolina

In 2026, the USDA loan limit in Bessemer-City, situated in Gaston county, NC, is set at $285,000. Conversely, the FHA limit for a single-family home is $356,362.

Use Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. Determine the necessary income, credit, reserves, and documents required to qualify. This advanced mortgage calculator enables you to evaluate USDA, FHA, Conforming, and VA loans side by side, helping you decide the most suitable program in for your financial needs.

Options for USDA and FHA Loans in Bessemer-City, NC

At Lendersa®, the aim is to swiftly secure you the best possible USDA or FHA loan without hassle. Choose one of three starting pathways that lead to lender matching and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NC?

A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage, and it is strictly available in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, the USDA mortgage does not require any down payment.

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Bessemer-City Lenders
(704) 868-0890 Lender's profile and map Lithium Federal Credit Union 1111 Bessemer City Kings Mountain Highway, Bessemer City, NC, 28016 Lends in North Carolina The organizational meeting of LCA Federal Credit Union was held on December 17, 1956. Thirty eight potential members attended along with the nine members that incorporated the credit union idea. Officers were elected and guidelines were established. The first Directors meeting was held immediately after the organizational meeting.
(704) 867-5828 Lender's profile and map Alliance Bank & Trust Company 292 W Main Ave, Gastonia, NC, 28052 Lends in North Carolina Alliance Bank & Trust is committed to being the premier financial services organization in our market and to provide outstanding quality service to our customers. We are committed to analyzing our customer’s financial needs and ensuring that we provide them with the financial products
(704) 435-0186 Lender's profile and map Carolina Federal Credit Union 1200 East Church Street, Cherryville, NC, 28021 Lends in North Carolina Carolina Federal Credit Union has been a trusted financial organization for over 50 years, federally chartered in 1969 to serve Carolina Freight Employees. We’ve expanded our field of membership to include EVERYONE who lives, works, goes to school, or worships in Gaston or Cleveland County,
(704) 825-9861 Lender's profile and map Belmont Savings Bank (Belmont, NC) 210 Park Street, Belmont, NC, 28012 Lends in North Carolina At Belmont Savings Bank, customers are our number one priority. We believe there are many reasons customers choose to bank with us. Our Savings and Loan products offer competitive interest rates and our personal bankers are people you can trust to handle all of your financial needs.
(704) 626-0808 Lender's profile and map Stanford Funding 2525 Shanklin Ln, Denver, NC, 28037 Lends in North Carolina 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.
(877) 210-1331 Lender's profile and map UT Financial Services 10130 Perimeter Pkwy, Suite 200, Charlotte, NC, 28216 Lends in North Carolina UT Financial Services, LLC is a national commercial real estate consultant firm based out of Charlotte, North Carolina. UT Financial Services provides a full spectrum of financing options for real estate projects including debt, mezzanine, equity, and bridge financing. UT Financial Services also assists clients with business expansion
(877) 802-1212 Lender's profile and map Peoples Bank 420 West A Street, Newton, NC, 28658 Lends in North Carolina Here at Peoples Bank, we're passionate about helping people. We strive to be exceptional and inspire others to be exceptional too. It's a promise we make to our neighbors, families, local businesses and community. When you're passionate about people like we are, you start to see the extraordinary in everyone.
(800) 622-5305 Lender's profile and map Carolinas Telco Federal Credit Union 2821 Crisman Street, Charlotte, NC, 28208 Lends in North Carolina Carolinas Telco Federal Credit Union (CTFCU) has been serving members across the Carolinas since 1934. We offer credit union services to the following groups: Those employed with or retired from one of our current preferred business partners. Members of the NC Consumers Council (NCCC) or other approved association.