USDA Vs. FHA Pro and Con comparison in Cullowhee, Jackson County, NC

In 2025, USDA loan limit in Cullowhee, county of Jackson, NC is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Cullowhee, county of Jackson, 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 Cullowhee, NC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • REID Lending Partners
  • 11810 Grand Park Avenue,, North Bethesda, MD, 20852
  • REID Lending Partners is one of the Mid-Atlantic's premier private mortgage lender and Investment management firm providing small balance commercial loan solutions to real estate investors and property owners, all while generating competitive returns for its partners and investors.
  • TopOne Mortgage
  • 1335 Rockville Pike, Suite 310, Rockville, MD, 20852
  • TopOne Mortgage Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • FitzGerald Financial Group
  • 600 Jefferson Plz, Rockville, MD, 20852
  • FitzGerald Financial Group is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. FitzGerald Financial Group is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to
  • Lafayette Federal Credit Union
  • 2701 Tower Oaks Blvd, Rockville, MD, 20852
  • Lafayette Federal Credit Union is one of the premiere financial institutions in the Washington, D.C. area. Since our founding in 1935, we have sought to provide our members with a safe and convenient place to save, and to offer loans at rates and terms more favorable than those of other financial institutions.
  • America Trust Funding
  • 5912 Hubbard Dr, Rockville, MD, 20852
  • At America Trust Funding, 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.
  • BMIC Mortgage Inc
  • 5640 Nicholson Lane, Suite 210, Rockville, MD, 20852
  • BMIC has a customized process that is simple and straightforward, allowing us to complete a loan application in a matter of minutes. We will have a loan decision for our clients within an hour. At that time, BMIC will issue a formal loan approval.BMIC recognizes that each circumstance is unique
  • American Capital Financial Group, LLC
  • 5010 Nicholson Lane, Suite 100, Rockville, MD, 20852
  • At American Capital Financial Group, LLC. We are a full-service local mortgage company based in Rockville, MD. We specialize in First Time Home Buyers, Purchase, Refinance, VA, FHA, JUMBO and USDA Loans specifically in Maryland, Washington DC and Virginia. Here at American Capital Financial Group, we give you all the options of buying a home.
  • Infinity Financial Services, LLC
  • 11140 Rockville Pike, Suite 400, North Bethesda, MD, 20852
  • Infinity Financial Services, LLC is a boutique mortgage company for both residential and commercial lending.The company was founded in 2000 by Sandra Marshall, a Maryland native and financing expert with more than 20 years of diverse experience in the lending and real estate industry.
  • Abel Commercial Funding, LLC
  • 11140 Rockville Pike, Suite 400, Rockville, MD, 20852
  • Abel Commercial Funding offers business and commercial real estate financing products all over the country and is a leading lender for commercial finance. We have spent years helping businesses of all sizes thrive in an up and down market. We know you need plenty of working capital to keep your business successful
  • Phi Beta Sigma Federal Credit
  • 145 Kennedy Street NW, Washington, DC, 20011
  • PBSFCU is a full-service financial services provider, serving Sigmas, Zetas and their families internationally. While it is similar to a bank in terms of the services it provides, it is philosophically different in operation. PBSFCU is a full-service financial services provider, serving Sigmas, Zetas and their families internationally.
  • Industrial Bank
  • 4812 Georgia Avenue NW, Washington, DC, 20011
  • "Founded on August 20, 1934, Industrial Bank is the oldest and largest African American owned commercial bank in the metropolitan Washington region. Since 1934, the bank has delivered essential banking and financial services that have contributed greatly to the growth and development of the Washington, D.C. community.
  • MVP Postal and Printing Federal Credit Union
  • 16501 Shady Grove Road, Gaithersburg, MD, 20898
  • We were founded in 1952 as Silver Spring Postal FCU to serve postal people working in Silver Spring, MD. We were organized to provide all our members with a safe place to save and borrow at reasonable and affordable rates. All Postal employees in Maryland, Virginia, and Pennsylvania and their families are eligible to join MVP Postal & Printing FCU.