In the year 2026, the USDA loan limit in Cary within the county of Wake, NC stands at $336,500, whereas the FHA limit for a single-family residence is $502,550.
Utilize the Lendersa® USDA loan calculator today to weigh the best USDA against FHA rates, identifying the income, credit, reserves, and paperwork required for qualification. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA loans to help you determine which plan in suits your financial requirements best.
Review of 2026 Loan Limits and Down Payment Requirements in Cary, Wake, NC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$502,550
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Cary, NC
The mission of Lendersa® is to facilitate securing the optimal USDA or FHA loan efficiently and without undue stress. You are offered three different pathways to match with lenders and USDA loan offerings.
A USDA home loan, secured by the United States Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is specifically accessible in rural locales. Unlike FHA loans which necessitate a base down payment of 3.5%, USDA mortgage loans mandate no down payment whatsoever.
RTP Federal Credit Union was founded in 1968 by a group of federal employees in the Research Triangle Park, seeking to bring the benefits of credit union membership to this area. Today, over 300 businesses and associations in the RTP and greater Triangle area are offering the benefits of RTP Federal Credit Union membership.
11010 Lake Grove Blvd, Suite 100 PMB 119, Morrisville, NC, 27560
Lends in North Carolina
Pearl Consulting & Financing works with business owners to maximize their potential, providing exceptional consulting services that are catered specifically to their needs. From strategic decisions, to financing, to developing your capabilities, Pearl Consulting & Financing is here to help. Using our expertise & deep understanding of the industry,
Hard Money Henry helps real estate investors secure fast, flexible funding. With a reputation for reliability and personalized service, Henry Tabeling ensures your investment goals are met. Contact us today for straightforward loan solutions tailored to your needs!
7751 Brier Creek Pkwy, Suite 100, Raleigh, NC, 27617
Lends in North Carolina
The mortgage process can be confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you customized options from great lenders and make sure to find the right loan for you and Our loan originators have access to a wide array of loan products, helping them.
8801 Fast Park Drive, Suite 207, Raleigh, NC, 27617
Lends in North Carolina
The Crossover Lending Group, Inc team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
1750 Northwest Maynard Road, Suite 101, Cary, NC, 27513
Lends in North Carolina
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients that meet their overall financial goals while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to provide a positive experience with the process centered around communication
At Tarheel Mortgage we can match clients with home loans and refinancing products from more than 20 lenders at wholesale rates. Plus, on most loan programs you'll never pay us a fee. Whether you want to purchase a home for no-money down, no points, no PMI or need to qualify with past credit issues,
140 Preston Executive Dr, Suite 205D, Cary, NC, 27513
Lends in North Carolina
Pathway Mortgage Group is a nationally recognized, locally owned independent mortgage broker in Cary, NC, serving North Carolina consumers exclusively. Pathway is proud to offer very competitive rates from the best wholesale lenders in the country. Competition, combined with our elite experience and execution.
5842 Fayetteville Road, Suite 113, Durham, NC, 27713
Lends in North Carolina
Whether looking for your first home or selling your fifth, we bring the same excitement and level of service to every client. We are a very personable group, from our agents to our admin staff who strive to make the process of buying or selling less stressful and even enjoyable for our clients. We are a locally owned.
