USDA and FHA Pro and Con in Canton, Haywood County, NC

In 2025, the USDA loan limit for Canton in Haywood, NC is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s USDA versus FHA rates, determining the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loan options, helping you choose the best fit for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Canton, Haywood County, NC

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

USDA and FHA Loan Options in Canton, NC

Lendersa® aims to secure the best USDA or FHA loan for you quickly and effortlessly. Choose one of three pathways to find matching lenders and the right USDA loan programs.

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Understanding the USDA Loan in NC

The USDA home loan, also called a USDA mortgage or rural development loan, is guaranteed by the government through the Department of Agriculture, designed for rural neighborhoods. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment, offering greater accessibility to those eligible.

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



  • Mountain State Financial Group
  • 9035 Wadsworth Pkwy, Suite 3400, Broomfield, CO, 80021
  • Our Colorado-based mortgage brokerage firm offers exceptional service and excellent products. As our client, you work with the same mortgage professional throughout the loan process; no one is passed to a junior associate. Your one point of contact from start to finish ensures a seamless
  • Western States Bank
  • 1520 E Mulberry St, Fort Collins, CO, 80524
  • Western States Bank is a bank with operations in three states. Western States Bank offers numerous mortgage programs including conventional, FHA, VA, reverse and construction mortgages. Western States Bank is a FREEandCLEAR Certified At our bank, you will find banking professionals who are dedicated to meeting your financial needs.
  • TST Financial LLC
  • 1318 s College Avenue, Suite 4, Fort Collins, CO, 80524
  • At TST Financial Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
  • Excel Financial Group, LLC
  • 123 N College Ave, Suite 230, Fort Collins, CO, 80524
  • Excel Financial Group is a Colorado home loan and mortgage company that provides exceptional, unsurpassed mortgage and refinance services at the lowest local rates available. Our mortgage brokers work directly with you to achieve a financial solution that is customized to your needs and circumstances.
  • Real Estate Loans 4 You
  • PO Box 2469, Loveland, CO, 80539
  • Our team offers people in the Colorado and Fort Collins area USDA, VA, FHA, and many more loan options. We prioritize personal care and we strive to give our clients all the tools they need to succeed. Large banking institutions are only concerned with moving clients in and getting them out the door.
  • Investors Choice Capital Group
  • 357 McCaslin Blvd, Suite 200A, Louisville, CO, 80027
  • Established in 2008, Investors Choice Funding, Inc (ICF) is a Direct Private Lending company, providing fast, reliable financing solutions to real estate investors for non-owner occupied, Single Family, Townhome, Condo, and Multi-Family investment properties. ICF’s management team has been involved in the real estate investment
  • Colorado Mortgage Group
  • 357 S. McCaslin Blvd, Suite 200, Louisville, CO, 80027
  • Colorado mortgage company. Our expert advice is based on your needs and your situation. We pre-underwrite your file before submission to take surprises out of the process well before closing. Our approvals stick and we have a track-record of smooth, on-time closings. We know buying or refinancing a home means a lot to you.
  • Apple Street Mortgage Corp
  • 737 Apple Court, Louisville, CO, 80027
  • Apple Street Mortgage is located in Louisville, CO just east of Boulder. We provide home loans for both new purchases and refinances all over the state of Colorado where owner Norm Sydow has lived with his wife and two sons since 1994. Apple Street Mortgage Corp. is a full service residential broker providing creative solutions for a wide range
  • Abbey Mortgage & Investments
  • 549 N 4th St, Berthoud, CO, 80513
  • We want you to know everything about Abbey Mortgage, so you know why you should partner with us. Abbey Mortgage and Investments Inc is a privately owned and operated mortgage company located in Berthoud, Colorado. We are not a mortgage broker or banker, which may make you wonder,
  • Mortgage Contract Services Inc
  • 543 3rd Street, Berthoud, CO, 80513
  • MORTGAGE CONTRACT SERVICES, INC. is a business entity registered with Colorado Department of State (CDOS). The business entity number is #20021047746. The business office address is located at 543 3rd Street, Berthoud, CO 80513. The business is formed on February 26, 2002. The entity type is corporation.