USDA VS FHA in Forest-City, Rutherford County, NC

In 2025, the USDA loan cap for Forest-City, in the county of Rutherford, NC, is $285,000, while the FHA limit for a single-family house is $356,362.

Utilize the Lendersa® USDA loan calculator to assess today's leading rates for USDA against FHA. Determine the income, credit, reserves, and necessary documents to qualify. See USDA, FHA, Conforming, and VA options side by side with our advanced mortgage calculator, assisting you in selecting the right program for your financial needs in Alabama.

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2025 Loan Limits and Down Payment Needs in Forest-City, Rutherford, NC

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Forest-City, NC

Lendersa® is committed to securing you the finest USDA or FHA loan swiftly and without complications. Start by picking one of three pathways that lead to matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

What is the USDA Loan in NC?

A USDA home loan, backed by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available solely in rural neighborhoods. Unlike FHA loans, which mandate a minimum 3.5% down payment, USDA loans have no down payment requirement.

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



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  • C4D Mortgage, our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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  • Best Rate is a Michigan-based mortgage company specializing in home loans and mortgage refinancing with historically low interest rates. Fadi as a mortgage broker in Michigan for every single one of our clients is to have an experience so good that you can’t wait to tell your friends and family about us.
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  • Loan X Mortgage team has a consistent history in the mortgage industry of closing loans very quickly and efficiently at the exact requirements of the client and also Loan X has all the necessary tools to service you and help achieve your goals. We believe simplicity is key to every transaction because our clients.
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  • Century Mortgage Lending was founded over 20 years ago in Birmingham, Michigan to assist people in building their wealth through mortgage management strategies. We have 50+ years of experience in business and banking and work with many lenders to find our clients the best deals. Our goal is to make sure our your best interest served.
  • Mortgage Pro
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  • Michigan United Credit Union
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