In 2026, the USDA loan limit is $285,000 in Carolina-Shores, Brunswick County, NC, whereas the FHA limit for a single-family home is set at $356,362.
Utilize the Lendersa® USDA loan calculator to compare today’s top USDA against FHA rates and to evaluate the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator provides a comparison of USDA, FHA, Conforming, and VA loans side by side, helping you choose the option that best fits your financial situation in
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| Loan Type | Loan Limit | Downpayment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is dedicated to securing you the most favorable USDA or FHA loan quickly and seamlessly. Choose one of the three starting points to connect with matching lenders and find USDA loan programs.
A USDA home loan, also known as a USDA mortgage or rural development loan, is backed by the Department of Agriculture and is specifically for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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