In 2026, the USDA loan limit for Boone, located in Watauga, NC, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans. Determine the income, credit score, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in Alabama best matches your financial needs.
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to provide you with the best possible USDA or FHA loan quickly and without hassle. Begin your search with one of three starting points that lead to matching lenders and USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is available exclusively in rural regions. Typically, FHA loans require a minimum 3.5% down payment, but USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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