USDA VS FHA in Fletcher, Henderson County, NC

For 2025, the USDA loan limit in Fletcher, situated in Henderson, NC, is $336,500. Meanwhile, the FHA limit for single-family homes is set at $472,030.

Use the Lendersa® USDA loan calculator to evaluate the best USDA and FHA rates today, identifying the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side, facilitating your decision on which program in best suits your financial situation.

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2025 Loan Limits and Down Payment Requirements in Fletcher, Henderson, NC

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

Exploring USDA and FHA Loan Options in Fletcher, NC

Lendersa® aims to swiftly offer you the most beneficial USDA or FHA loans without unnecessary hassles. Start with one of three pathways to connect with suitable lenders and explore USDA loan programs.

Results from Lendersa USDA loan request and matching

Understanding USDA Loans in NC

The USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan. Exclusively available in rural areas, they require no down payment, unlike FHA loans that need at least a 3.5% down payment.

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



  • The First National Bank of Elmer
  • 10 South Main Street, Elmer, NJ, 08318
  • The First National Bank of Elmer was established in 1903 in the town of Elmer, New Jersey. Today, we are proud to be an independent Community Bank with six offices to serve the financial needs of our customers. Our customer base is primarily in the Salem, Gloucester and Cumberland County area of Southern New Jersey.
  • All in Mortgage Inc
  • 1133 Naamans Creek Road, Garnet Valley, PA, 19060
  • All In Mortgage utilizes its industry-leading A.I.M method for delivering speed, accuracy, and quality to its customers for their loans and purchasing a home or refinancing your existing mortgage loan, we have the products for you! As a mortgage broker, All In Mortgage leverages our relationships with wholesale lenders to find the products.
  • Benchmark Federal Credit Union
  • 1522 McDaniel Drive, West Chester, PA, 19380
  • Benchmark is the only Federal Credit Union serving Chester County exclusively! Since 1940, Benchmark Federal Credit Union has provided its members with complete financial services including free checking accounts, vacation and holiday club accounts, loans, certificates of deposit, money market accounts.
  • Howard Financial
  • 503 Bridle Path West, Chester, PA, 19380
  • Howard Financial has specialized in a wide variety of loan types and financing strategies including Conventional, FHA/VHA, Jumbo loans, Portfolio lending, and Reverse mortgages. We will guide you through the mortgage planning process and find the right fit for your needs.Whether a first-time homebuyer, purchasing an investment property.
  • U.S. Financial, Inc.
  • 107 East Chestnut Street, West Chester, PA, 19380
  • It can be a huge task to purchase a new house or refinance your current mortgage loan. You can count on us to guide you to the loan program that's the best fit for you. Our team of professionals is ready to help you with this important financial decision. U.S. Financial to be your guide in finding the right mortgage program for you!
  • Southern Chautauqua Federal Credit Union
  • 168 East Fairmount Avenue, Lakewood, NY, 14750
  • Mission Statement: Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. Vision Statement: Southern Chautauqua Federal Credit Union’s vision is to be a resource to the community by offering its members the best financial service and value….period.
  • Millville Savings and Loan Association
  • 100 Albertson Street, Millville, NJ, 08332
  • In 1941, Millville Savings and Loan Association was formed when five building and loan associations were merged with assets totaling $387,174. The following are the five building and loan associations that merged: Columbia Perpetual Building and Loan, Hope Building and Loan, Institute Building and Loan, Protected Building and Loan, and Security Per
  • Thunder Bolt Area Federal Credit Union
  • 1601 Cedar Street, Millville, NJ, 08332
  • We are a Federal Credit Union Chartered on May 1, 1951 and since that time have been located on the premises of our original sponsor company, Airwork Corporation. Through the years, Airwork was purchased by several different companies until it was acquired by Dallas Airmotive. The credit union has assets totaling $31.66 Million.