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.
Royal United Mortgage was founded with the belief that there had to be a better, friendlier, more honorable way to provide people loans.A way that brought compassion to the mortgage loan industry.A way dedicated to improving lives.Well, that belief lives on here today.Making a difference in the lives of the communities we serve is our top priority.
MSU Federal Credit Union was established in 1978, we are the longest standing financial institution in Calloway County Kentucky. We have a wide variety of financial services to help meet our members short term and long term financial goals. We proudly serve employees and family members of Murray State University
The Murray Bank was voted the favorite bank in Murray & Calloway County for 18 years. We believe this is because we make sure each customer receives the best service, & assistance as they strive to reach their financial goals, When we ask our customers why they like banking with us, they consistently mention the high level of personal service.
Breezy Mortgage is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently,
We've been helping customers afford the home of their dreams for many years and we love what we do. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
The Latvian Cleveland Credit Union is a full-service credit union. We offer savings accounts, checking accounts, IRA accounts (Traditional, Educational, Roth, SEP), Money Market Accounts, ATM cards, Online Bill Pay and many other services.The Latvian Cleveland Credit Union, Inc. is the largest Latvian credit union in the United State
As a direct lender, we're able to offer competitive pricing, rates and timely closings. We know that each customer has specific needs, so we strive to satisfy with a wide array of mortgage loan products, investment tools, and of course quality service and individual attention. We lend in four states - North Carolina, Tennessee, Minnesota and Ohio.
Isaza International Mortgage Bankers Corp is a boutique style mortgage brokerage agency committed to reviving the lost art of delivering exceptional personal service. Our loan officers have the experience, the tools and untiring determination to exceed your expectations. The market is in a constant state of transition.
