As of 2026, the USDA loan limit in Fayetteville, county of Cumberland, NC, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA against FHA rates. Determine the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to swiftly deliver the best USDA or FHA loans without hassle. Choose one of three initial starting points to connect with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is solely available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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