USDA Vs. FHA your options 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?



  • Uwharrie Bank
  • 141 Providence Rd, Charlotte, NC, 28207
  • Uwharrie Bank exists for the same reasons that any bank exists. But our story is so much more than that. We’re more than a collection of services and accounts. We’re people. We’re conversations. We’re ears to listen and hearts full of helpful advice. We believe that by doing our jobs just a little bit better
  • LendScout by American Security Mortgage Corp.
  • 150 Providence Road, Suite 300, Charlotte, NC, 28207
  • "LendScout by ASMC is a home-finance solutions team based in Charlotte, NC helping you turn your daydreams into your dream home through a seamless lending process. Our team has created a process to get you approved and into your home, quickly. We also minimize the potential for error as we communicate quickly"
  • Piedmont Credit Union
  • 1913 W Front Street, Statesville, NC, 28677
  • Piedmont Credit Union is a state chartered, federally insured community credit union, serving members in Iredell County since 1981. Membership in Piedmont Credit Union requires the completion of an account card, 2 forms of identification you must live or work in Iredell county or be an immediate family member of a current member
  • REI Investment Capital LLC
  • 7014 Garden Terrace Ct, Charlotte, NC, 28210
  • Easy Hard Money and Commercial Loans for investors. - Loan Types - Fix and Flips, DSCR, Portfolio, Bridge, Ground Up Construction, Multifamily bridge/value Add and Term loans and Commercial Loans. Property types - SFR, MF 1-4, MF 5+ units, Retail, Office, Strip Malls, Warehouse, Light Industrial, Mixed-use, Hospitality, Self-Storage and more.
  • Quail Hollow Financial Services, Inc.
  • 10015 Park Cedar Drive, Suite 100, Charlotte, NC, 28210
  • Quail Hollow Financial Services, Inc. was incorporated on May 2, 2001 and began operations as a locally owned mortgage banker/broker in November of 2002. Scott McQuay is the President and owner of the company. He has over 20 years experience in the mortgage industry and is a native to the Charlotte area.
  • Finance of America Commercial
  • 6230 Fairview Road, Suite 300, Charlotte, NC, 28210
  • Finance of America Commercial provides single and portfolio rental term loans, Bridge loans, and fix-and-flip exposure limit loans to residential real estate investors across the country, helping borrowers overcome traditional financing hurdles and build long-term wealth through real estate investment.
  • Charlotte Fire Department Credit Union
  • 2121 Commonwealth Avenue, Charlotte, NC, 28205
  • Since 1936, the Charlotte Fire Department Credit Union has provided financial solutions to our members/owners. We are a not-for-profit financial cooperative, which means that our goal is to meet your needs with extraordinary personal service. Employees of the Charlotte Fire Department and their families, as well as volunteer firefighters
  • QC Lending, LLC
  • 1111 Hawthorne Lane, 2nd Floor, Charlotte, NC, 28205
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • On Point Home Loans, Inc.
  • 1200 The Plaza, Suite G2, Charlotte, NC, 28205
  • "On Point Home Loans, Inc. is an independent mortgage firm that is locally owned and operated in Charlotte, North Carolina. Our mission to empower each client to make the best decisions for their individual financial futures. After years of working for large banks and retail lenders, the founders of On Point saw a considerable amount of time"
  • Leverage Lending Group
  • 5309 Monroe Rd. Ste C, Charlotte, NC, 28205
  • Leverage Lending Group, LLC specializes in refinance and purchase money loans for conventional, FHA, VA, USDA, residential, commercial, jumbo and super jumbo financing. In addition we offer hard money investment rehab financing and IRA Non Recourse loans. We offer the competitive rates for refinance and purchase money loans with credit score requir
  • 1st Capital Title Loans
  • 3420 US-21, Fort Mill, SC, 29715
  • 1st Capital Title Loans Can provide you with a Commercial car title loan in South Carolina from one of our convenient offices on the state line. (This Loan is also known as a Commercial car title loans, title loan, title loans, motorcycle loan or motorcycle title loans). 1st Capital Title Loans can provide you with a Commercial Car Title Loan, moto
  • GreenStar Home Loans Inc
  • 2950 Old Nation Road, Suite 6, Fort Mill, SC, 29715
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.