USDA Vs. FHA Pro and Con comparison in Cherryville, Gaston County, NC

In 2025, the USDA loan limit in Cherryville, within Gaston county, NC, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Harness the Lendersa® USDA loan calculator to evaluate current USDA vs. FHA rates and understand the required income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side by side, helping to determine which program in is most suitable for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Cherryville, Gaston County, 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 Cherryville, NC

Lendersa® aims to swiftly secure the best USDA or FHA loan for you without hassle. Choose one of three options to connect with matching lenders and access USDA loan programs efficiently.

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What is a USDA Loan in NC?

The USDA home loan, also known as the USDA rural development loan or mortgage, is backed by the Department of Agriculture and available only in rural communities. Unlike FHA loans, requiring a minimum down payment of 3.5%, the USDA mortgage requires no down payment, making it more accessible to prospective rural homeowners.

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



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