In 2026, the USDA loan limit in Clayton, within Johnston county, NC, is $336,500. For a single-family home, the FHA limit is $502,550.
Utilize the Lendersa® USDA loan calculator to assess and compare today's leading USDA versus FHA rates. Determine the income, credit levels, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the most suitable program for your financial situation in Alabama.
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $502,550 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to provide you with the best USDA or FHA loan quickly and efficiently. Begin with one of three pathways leading to matching lenders and suitable USDA loan programs.
The USDA home loan, insured by the Department of Agriculture — also known as the USDA rural development loan or USDA mortgage — is available exclusively in rural neighborhoods. FHA loans require at least a 3.5% down payment, but USDA loans necessitate no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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