USDA and FHA Pro and Con in Etowah, Henderson County, NC

As of 2025, the USDA loan cap in Etowah, within Henderson county, NC, stands at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize Lendersa® USDA loan calculator to assess and compare the leading rates for USDA versus FHA loans available today. Discover the required income, credit levels, reserves, and documents to qualify. Our state-of-the-art mortgage calculator lets you compare side-by-side the USDA, FHA, Conforming, and VA loans, to assist you in selecting the most suitable program for your financial needs in .

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2025 Loan Limits and Down Payment Needs in Etowah, Henderson County, 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 Alternatives in Etowah, NC

The primary objective of Lendersa® is to swiftly provide access to the best possible USDA and FHA loans, eliminating any hassle. Start with one of three methods to secure a match with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loan in NC

The USDA home loan, backed by the U.S. Department of Agriculture, also termed the USDA rural development loan or mortgage, is available only in rural zones. It requires no down payment, contrasting with FHA loans that demand at least 3.5% down.

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



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