USDA Vs. FHA Pro and Con comparison in China-Grove, Rowan County, NC
In 2025, the USDA loan limit in China-Grove, within Rowan County, NC, is $285,000, while the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, identifying necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, aiding in selecting the program that best fits your financial scenario in .
2025 Loan Limits and Downpayment Requirements in China-Grove, Rowan County, NC
Loan Type
Loan Limit
Downpayment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in China-Grove, NC
The goal of Lendersa® is to rapidly connect you with the best USDA or FHA loan options. Select from three starting points for matching with lenders and discovering suitable USDA loan programs.
A USDA home loan, also called a USDA mortgage or rural development loan, is backed by the government's Department of Agriculture and is available solely in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require none, enhancing accessibility for qualifying applicants.
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