USDA Vs. FHA Pro and Con comparison in Creedmoor, Granville County, NC

As of 2025, the USDA loan limit in Creedmoor, Granville County, NC, is $404,800, while the FHA limit for a single-family home is $602,600.

You can use the Lendersa® USDA loan calculator to compare today’s USDA against FHA best rates, and evaluate the income, credit, reserves, and necessary documents for qualification. This advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program suited to your financial situation in .

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Loan Limits and Downpayment Needs for 2025 in Creedmoor, Granville County, NC

Loan Type Loan Limit Downpayment
USDA $404,800 0%
FHA $602,600 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Creedmoor, NC

The mission of Lendersa® is to swiftly secure the best USDA or FHA loan for you without hassle. Select one of three initial approaches to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan, also termed a USDA mortgage or USDA rural development loan, is guaranteed by the government’s Department of Agriculture and available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, making them more accessible.

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



  • Rush Lending Inc
  • 8410 Northeast 1st Place, Suite 100, Miami, FL, 33138
  • 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.
  • Preferred Mortgage
  • 201 N.E. 95th St., Miami, FL, 33138
  • At Preferred Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
  • First Trust Capital
  • 7100 Biscayne Boulevard, Suite 206, Gulf Breeze, FL, 33138
  • "First Trust Capital has been in business for many years. We specialize in residential and commercial loans targeting a broad range of customers. We can fund loans anywhere in the state of Florida. We have access to a number of lenders and offer the most variety in loan programs.Established in 1992.
  • Swiftlend.com Mortgage
  • 771 NE 82nd St, Miami, FL, 33138
  • Swiftlend.com Mortgage is the local mortgage company clients come for cutting edge mortgage rates with great service and knowledge of the local market. We specialize in Condominium Financing, Conventional, FHA and Private mortgages. We’ve been true to this commitment since our inception and continue to provide great.
  • The Mercantile Bank of Louisiana, Missouri
  • 222 Georgia Street, Louisiana, MO, 63353
  • The Mercantile Bank of Louisiana MO was established in 1880 with capital of $50,000 and occupied as its banking house the building on the northeast corner of Third and Georgia Streets, directly opposite the present bank. The original officers of The Mercantile Bank were Stuart Carkener, President; R. H. Goodman,
  • German-American State Bank
  • 100 Church Street, German Valley, IL, 61039
  • German American State Bank was chartered on January 21, 1907 and prides itself as being one of the oldest community banks in the state of Illinois. At German American State Bank, our mission is to provide exceptional financial solutions for our customers by providing the highest quality financial products.
  • Bank of Milton
  • 323 Parkview Drive, Milton, WI, 53563
  • The Bank of Milton is a locally owned independent hometown bank, serving our customers and the communities around us. We strive to exceed your expectations by providing exceptional personalized customer service. We emphasize strong client relationships and a high level of community involvement.
  • First Community Bank Milton
  • 202 Merchant Row, Milton, WI, 53563
  • First Community Bank was originally founded under the name of the Farmers Bank. It opened its doors for business on July 17, 1911. The original officers of the Farmers Bank were John A Paul, President, John H. Owen, Vice-President and Alexander M. Paul, Cashier. Directors of the bank were John A. Paul, Alexander M. Paul, John H. Owen, S.C Chambers.