USDA Vs. FHA Pro and Con comparison in Brevard, Transylvania County, NC

In 2025, USDA loan limit in Brevard, county of Transylvania, 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 Brevard, county of Transylvania, 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 Brevard, 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?



  • Erie Community Federal Credit Union
  • 1109 E Strub Road, Sandusky, OH, 44870
  • Erie Community FCU, a federally insured credit union that was founded in 1958. We are a full-service, not-for-profit financial institution owned by its members. If you have a family member (spouse, sister, uncle, nephew, grandparent, etc.) who is already a member of the credit union, you qualify to join as well, regardless if you live, work, or wor
  • Civista Bank
  • 100 E. Water Street, Sandusky, OH, 44870
  • Since 1884 Civista Bank has provided financial solutions to generations of businesses, families and individuals. We're committed to developing life-long relationships built on trust, expertise, and exceptional service. As a $3.0 billion organization, our financial resources and commitment to be the community's trusted financial advisor
  • VacationLand Federal Credit Union
  • 2409 E Perkins Ave, Sandusky, OH, 44870
  • VacationLand Federal Credit Union is much more than a place for banking. We live and work in northern Ohio, and we’re dedicated to helping our members and our communities prosper and thrive. Every member of VacationLand Federal Credit Union is part of our family. We care about you and your well-being instead of the bottom line
  • Cummings Mortgage Service
  • 2609 Columbus Avenue, Sandusky, OH, 44870
  • "We specialize in residential mortgages. We offer Conventional, FHA, VA, First Time Homebuyers, Reverse Mortgages, Rural Development, and nonconforming mortgages with a focus on service and low costs. All loans are processed in our office. We are HUD approved and the first licensed mortgage broker in the State of Ohio."
  • Blue Loans LLC
  • 323 East Garfield Road, Suite 10, Aurora, OH, 44202
  • Blue Loans is committed to providing you outstanding customer service. We know getting a mortgage is very important to you, and we are here to help you every step of the way Whether you are buying a home or refinancing, we are here for you. We are dedicated to serving the Northeast Ohio area. This is our home, and we are eager to help.
  • Advance Mortgage & Investment Company, LLC
  • 30500 State Highway 181, Suite 460, Daphne, AL, 36527
  • At AMIC, we strive to treat all our customers like friends and neighbors, because that's exactly what you are. Based in the Southeast, we live, work, and play right alongside many of our customers. We'll always guarantee you the best loan, work with local lenders whenever possible,
  • Patriot Federal Credit Union
  • 800 Wayne Ave, Chambersburg, PA, 17201
  • Patriot Federal Credit Union has been helping members achieve financial success in our community since 1965, when the Credit Union was first formed.Patriot is governed by member-volunteers elected to the Board of Directors and managed by experienced financial professionals.We are committed to serving all your financial needs and developing a solid.
  • JET Mortgage Services, LLC.
  • 1972 Wenger Lane, Chambersburg, PA, 17201
  • JET Mortgage Services, LLC is a different kind of mortgage broker. We take the time to get to know our clients and really understand what their mortgage goals are. We believe that personal relationship is the best way to ensure that YOU get the best mortgage. After all, we work for you!
  • 260 Mortgage Team - Hallmark Home Mortgage
  • 7421 Coldwater Road Fort, Fort Wayne, IN, 46825
  • 260 Mortgage, a division of Hallmark Home Mortgage, is focused on providing the best customer experience in the Mortgage Lending industry. We accomplish this by providing industry-leading products from Hallmark Home Mortgage, as well as providing an unmatched level of transparency and customer communication.
  • 3Rivers Federal Credit Union
  • 1615 Northland Blvd, Fort Wayne, IN, 46825
  • On February 14, 1935, the International Harvester Company Fort Wayne Works Employees Federal Credit Union was organized. With assets of $250, we employed three individuals and were housed in the International Harvester Company office on Pontiac Street and Bueter Road. In 1947, the credit union reached $1 million in assets and continued to grow.
  • MidWest America Federal Credit Union
  • 1104 Medical Park Drive, Fort Wayne, IN, 46825
  • MidWest America provides the best financial services possible for our members through every stage of their life. We offer loans at competitive rates and have an assortment of savings and checking products available. MidWest America currently operates 17 full-service offices, with 13 in northeast Indiana; 2 in eastern Illinois
  • Hallmark Home Mortgage
  • 7421 Coldwater Road, Fort Wayne, IN, 46825
  • Hallmark Home Mortgage we have worked hard to recreate the sense of family, loyalty and mutual respect that we enjoyed at Waterfield. It translates into a pleasant experience for everyone who walks through our doors. From a friendly greeting to the superior customer service you receive throughout the loan process, Hallmark lives up to its name.