USDA Vs. FHA Pro and Con comparison in Dallas, Gaston County, NC

In 2025, USDA loan limit in Dallas, county of Gaston, 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.

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2025 loan limits and downpayment requirments in Dallas, county of Gaston, 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 Dallas, 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?



  • First National Bank and Trust Company
  • 345 E Grand Avenue, Beloit, WI, 53511
  • First National Bank and Trust Company is a family-focused, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust has grown to be a leading financial services institution offering products and services for consumers and businesses, as well as trust, retirement services
  • Blackhawk Bank
  • 400 Broad Street, Beloit, WI, 53511
  • Blackhawk Bank is a leading community bank serving clients in northern Illinois and southern Wisconsin. Eight full service banking centers are located along the corridor that stretches from Beloit, Wisconsin to Belvidere, Illinois. Experience a relaxed atmosphere where highly respected.
  • First Community Credit Union
  • 1702 Park Ave, Beloit, WI, 53511
  • First Community Credit Union is a member-owned, not-for-profit financial cooperative and has provided quality member service for over 85 years. FirstCCU has more than 20, 000 members and $156 million in assets and is a Bauer Financial 5-Star Superior Safety rated credit union for 19 consecutive years.
  • River Region Credit Union
  • 400 East Broadway, Ashland, MO, 65010
  • River Region Credit Union is a financial cooperative, owned and operated by its members, existing to encourage growth and better service through education and membership participation. The Credit Union will offer regular savings at competitive rates, promote thrift, quality loans at reasonable rates.
  • Inlanta Mortgage - Jesse Koch
  • W239 N3490 Pewaukee Rd, Suite 200, Pewaukee, WI, 53072
  • We’ve always done more at Inlanta Mortgage. We don’t just provide great loans—we strive to make our customers, our employees and our referral partners feel special. Since our start in 1993, we’ve been steadfast in our commitment to always go above and beyond the expected, and to deliver a better, simpler mortgage experience.
  • Commonwealth Mortgage Group
  • 325 Oakton Avenue, Suite 101, Pewaukee, WI, 53072
  • Commonwealth Mortgage Group, assisting clients obtain a mortgage loan is our core business, enabling us to focus on providing every client with outstanding customer service. Our goal is to expedite and streamline your loan process, educate you, customize your loan program to meet your financial goals, and become your mortgage resource for life.
  • AK Capital Finance
  • 353 Forest Grove Dr, Pewaukee, WI, 53072
  • AK Capital Finance recognizes that all businesses need capital to grow, which is why we support companies of all sizes through our commercial finance programs. We offer a diverse range of products to meet the needs of almost any kind of business. Professional Full-Time Alternate Capital Business Solutions.
  • Delta Bank
  • 1617 Carter Street, Vidalia, LA, 71373
  • On October 1, 1973, when a group of local investors acquired the charter of the failed Delta Security Bank in Ferriday, La., Delta Bank was born. That bank was originally called Louisiana Central Bank. Our heritage has been to provide innovative banking products with unique home town service and attention to customers.
  • Concordia Bank & Trust Co.
  • 904 Carter Street, Vidalia, LA, 71373
  • Since 1903, Concordia Bank has continually provided you with the best in banking products. Our approach to doing banking is simple – provide banking products our customers want with hometown customer service. We look forward to the future and the changes it will bring, while upholding the traditions of Concordia Bank.
  • Rescue Lend Financial
  • 6625 Miami Lakes Drive, Hialeah, FL, 33014
  • Rescue Lend is composed of a group of highly experienced and seasoned, certified, financial professionals. With our knowledge and expertise, we can usually find a solution for all your financing needs. Unlike a bank, or local lending institution, which only lend to the most credit-worthy businesses.
  • Independent Mortgage Corp
  • 6625 Miami Lakes Dr E, Suite 349, Miami Lakes, FL, 33014
  • Independent Mortgage Corporation is a Mortgage Broker Company located in Miami Lakes, Florida. We offer a variety of mortgage products; our primary goal is to help you find the right loan with the best terms. All our mortgage loan originators are licensed, knowledgeable and experts in mortgage.