USDA and FHA Pro and Con in Dallas, Gaston County, NC

In 2026, the USDA loan limit for Dallas in Gaston County, NC is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast today's best USDA versus FHA rates, and check the income, credit reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA side by side, helping you decide which option is best for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Dallas, Gaston County, NC

Loan Type Loan Limit Downpayment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Dallas, NC

The objective of Lendersa® is to efficiently secure you the most suitable USDA or FHA loan without complications. Choose one of three starting methods 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 known as a USDA mortgage or rural development loan, is guaranteed by the government's Department of Agriculture and is only available in rural areas. Unlike FHA loans that require a minimum 3.5% downpayment, USDA loans require no down payment.

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



  • River Valley Credit Union
  • 505 Earl Boulevard, Miamisburg, OH, 45342
  • River Valley Credit Union has been serving the Greater Miami Valley region for 70 years with state-of-the-art banking & loan services. As a community-chartered credit union, membership is open to anyone in Southwest Ohio who lives, works or attends school in one of these counties: Montgomery, Greene, Butler, Warren, Preble, Clark or Miami.

  • MCGOWIN-KING MORTGAGE
  • 2 Office Park Cir, Suite 103, Birmingham, AL, 35223
  • Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.

  • ASSURANCE FINANCIAL, LLC
  • 500 Office Park Dr, Suite 410, Birmingham, AL, 35223
  • Founded in 2001, Assurance Financial Group was created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time

  • United Midwest Savings Bank, National Association
  • 6460 Busch Blvd, Suite 200, Columbus, OH, 43229
  • Since 1889, United Midwest has offered a varying range of banking and financial services to several community and business groups. Over time, we've evolved and today we focus our services into four main categories: Business Lending, Consumer Lending, Residential Loans, and our Deposit Services.

  • Mortgage Banc
  • 1395 E Dublin Granville Rd, Suite 301, Columbus, OH, 43229
  • Over the past 30 years we have established ourselves as a 'make sense' hard money lender and mortgage broker. The Mortgage Banc has assisted many home buyers and owners with their financing needs. In addition to our direct loan programs, our wholesale loan division has supported other mortgage brokers with financing options.

  • Crew Lending
  • 248 Inverness Center Dr, Birmingham, AL, 35242
  • The Crew Lending team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs

  • SMG Mortgage
  • 204 Griffin Park Drive, Birmingham, AL, 35242
  • Salter Mortgage Group, or SMG Mortgage as many of you know us, has been serving customers with home loans since 2007 and enjoyed steady growth every year in one of the toughest markets in our lifetime. We believe this growth is due to a team who is committed to providing our clients with the highest quality financial services combined

  • MORTGAGE XPRESS, LLC
  • 153 Narrows Parkway, Suite 103, Birmingham, AL, 35242
  • At Mortgage Xpress we take that responsibility very seriously. You can rely on our honesty and the strong desire to exceed your expectation and go beyond call of duty to deliver the results you are looking for. We offer Conventional loans, Adjustable rate loans (ARM), Jumbo loans, FHA, VA and USDA 100% loans, First time home buyer loans

  • Reverse Mortgage Alabama
  • 204 Griffin Park Drive, Suite B, Birmingham, AL, 35242
  • Reverse Mortgage Alabama has been exclusive to the Reverse Mortgage or HECM (Home Equity Conversion Mortgage) program in Birmingham and Huntsville, Alabama since 2007. I am honored to serve homeowners age 62 plus throughout the South and I am dedicated to helping you leverage the power of your home equity to achieve greater financial independence.

  • Gagliano Mortgage, Inc
  • 4500 Valleydale Road, Suite F, Birmingham, AL, 35242
  • Gagliano Mortgage, Inc team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • 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.