As of 2025, in Fearrington-Village, located in Chatham county, NC, the USDA loan limit is $349,600, while the FHA limit for a single-family home stands at $437,000.
Leverage the Lendersa® USDA loan calculator to assess the best USDA vs. FHA rates available today and determine the income, credit rating, reserves, and documents necessary for qualification. Our comprehensive mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA programs, aiding in deciding which option in Alabama fits your specific financial context best.
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| Loan Type | Loan Ceiling | Down Payment |
| USDA | $349,600 | 0% |
| FHA | $437,000 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to facilitate the swift and smooth acquisition of the best possible USDA or FHA loans. You can begin by choosing one of three starting points that lead to matched lenders and USDA loan options.
A USDA home loan is secured by the Government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is strictly offered in rural areas. Unlike FHA loans which require at least a 3.5% down payment, the USDA mortgage needs no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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