USDA and FHA Pro and Con in Charlotte, Mecklenburg County, NC
In 2025, the USDA loan limit in Charlotte, located in Mecklenburg, NC, stands at $336,500, while the FHA limit for a single-family home is $472,030.
With Lendersa® USDA loan calculator, compare today's USDA versus FHA rates to find the best deal. Determine necessary income, credit, reserves, and documents for qualification. You can view USDA, FHA, Conforming, and VA options side by side with our advanced mortgage calculator, helping you select the right program in for your financial situation.
Loan Limits and Down Payment Requirements for 2025 in Charlotte, Mecklenburg, 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 Charlotte, NC
Lendersa® aims to promptly deliver the best USDA or FHA loans, hassle-free. Select one of three pathways to connect with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture—often referred to as a USDA rural development loan or mortgage—is exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages require none.
Mobile Postal Employees Credit Union was established July 1st, 1949 to serve the needs of Postal Workers and their families. Like all credit unions, we are a nonprofit, member-owned financial institution. Unlike a bank, we do not operate for profit. Any profit earned by the credit union is returned to the members in the form of dividends.
Azalea City Credit Union currently serves the financial needs of Mobile, Baldwin, Washington and Clarke County residents and those that work, attend school or worship in these counties. At Azalea City Credit Union, we are committed to providing our members with quality financial products and exceptional service.
AFC Mortgage wants to be your lender that can design a program that fits your particular home financing needs both now and in the future. Our rates are very competitive and we have a wide variety of financing options available to you.
Our affiliation with numerous lenders allows AFC Mortgage the potential to save you thousands of dollars
In an increasingly centralized business environment — where the main office may be hundreds of miles away in another state — it's reassuring to know that there are still truly "home-owned" companies. Magnolia Mortgage Company has been making a name for itself in the Mobile area since 1990.
Our family at Mortgage Team 1 is committed to providing our clients with the highest quality financial services. Our professional Mortgage Planners will work with you one on one to ensure that you get a financial plan that is tailored specifically to meet your mortgage needs. Whether you are purchasing your dream home,
Our Bank has earned a reputation for serving the needs of our communities by emphasizing the importance of personal banking and by promoting local economic development. We employ a highly qualified and professional staff and offer a wide variety of products and services designed to meet the needs our customers
Go Home Mortgage Inc, is a registered Mortgage Broker with the NYS Dept of Financial Services. All loans are arranged thru third party lenders. Our services cover the entire New York State. Go Home Mortgage Inc operates from one prime location in the Bronx since February 2006. We are a full service mortgage brokerage company.
The G.W. Jones Exchange Bank will strive to continue as a profitable and competitive banking organization while maintaining and increasing its net worth. It will have as a general goal to engage in activities that will create new service, retain customers, and be sensitive and responsive to individual customer needs.
