USDA VS FHA in Boone, Watauga County, NC

In 2025, USDA loan limit in Boone, county of Watauga, NC is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Boone, county of Watauga, NC

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

USDA and FHA loan options in Boone, NC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Pace Financial Group
  • 250 Civic Center Dr, Suite 150, Columbus, OH, 43215
  • Pace Financial Group offers a full range of commercial real estate funding options as well as a full service commercial mortgage loan servicing operation. Financing options include first and second mortgage debt, equity investments, mezzanine financing & brokerage services. Pace expanded its focus to include the brokerage of interim, construction.
  • Armstrong Mortgage Co
  • 1225 Dublin Road, Columbus, OH, 43215
  • Armstrong Mortgage Company is a full service Mortgage Banking firm, founded in 1971. Armstrong provides mortgage services for its clients, such as Multifamily Owners and Developers, Commercial Property Owners and Developers as well as health care developers and owners. A major business emphasis is on the construction and permanent financing.
  • FirstCap US Mortgage LLC
  • 875 N. High Street, Suite 300, Columbus, OH, 43215
  • Our mission is to remove barriers and rid the antiquated processes to deliver the lowest rate for our client. FirstCapUS raises your mortgage expectations with trusted service locally in the Midwest, a digital approach that increases ease of use and people who believe in integrity first and foremost -enabling you to focus on your next life move.
  • Pinnacle Home Mortgage LLP
  • 20 South Third Street, Suite 210, Columbus, OH, 43215
  • At Pinnacle Home Mortgage, LLC, where we specialize in residential mortgages. At Pinnacle Home Mortgage, LLC, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Liberty Mortgage Company, Inc
  • 473 E. Rich St., Columbus, OH, 43215
  • LIBERTY MORTGAGE COMPANY STRIVES TO ENSURE THAT EVERY CLIENT HAS ACCESS TO THE LOWEST RATES AVAILABLE, NO MATTER THEIR SITUATION, FOR THEIR HOME MORTGAGE LOANS. WHETHER THEY ARE FIRST TIME HOME BUYERS, OR REFINANCING FOR THE TENTH TIME, FHA, HARP, VA, USDA AND JUMBO MORTGAGE LOANS ARE AVAILABLE
  • ReCasa Financial Group
  • 130 East Chestnut St., Suite 200, Columbus, OH, 43215
  • ReCasa Financial Group, LLC provides an array of products and services for real estate investors to successfully exceed their profit and investment return objectives. Real estate loans, real estate investor education, and services offerings are tailored for each investor’s situation. The core loan product provides 100% financing for rehab projects.
  • Community Spirit Credit Union
  • 160 Industrial Drive, Lawrenceburg, IN, 47025
  • Founded in 1937 as Seagrams Employees CU. In 2007 we began serving anyone working or residing in Dearborn, Ripley, Switzerland, and Ohio counties. Community Spirit offers Savings, Checking, IRA's, Christmas Clubs, and Kid's Club accounts. We offer Share Certificates (CD's), Auto loans, Personal Loans, Vacation Loans, and Christmas Loans
  • Morris Bank
  • 301 Bellevue Avenue, Dublin, GA, 31021
  • Since 1954, we’ve built the foundation of our culture and character on community. Our goal is to shape a better future for the customers we serve and the communities we’re privileged to be a part of. At Morris Bank, we believe in a common-sense approach to banking and practical financial solutions.
  • Farmers State Bank Dublin, GA
  • 1620 Veterans Blvd, Dublin, GA, 31021
  • Farmers State Bank is here to guide and assist you in meeting your financial goals. We are Laurens County’s Hometown Bank. Farmers State Bank has been diligently serving Laurens County for over 100 years. The main office of Famers State Bank was opened in 1984 in Dublin, Georgia.