USDA and FHA Pro and Con in Forest-Oaks, Guilford County, NC

In the year 2025, the limit for USDA loans in Forest-Oaks, located within the county of Guilford, NC, is specified as $285,000; meanwhile, the FHA limit for a single-family residence is set at $356,362.

Utilize the Lendersa® USDA loan calculator for a comparative analysis of today's best rates between USDA and FHA programs. This will assist you in figuring out the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, making it easier to determine which program in suits your financial scenario best.

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Find 2025 loan limits and down payment requirements in Forest-Oaks, County of Guilford, NC

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

Explore USDA and FHA Loan Alternatives in Forest-Oaks, NC

Lendersa® is dedicated to swiftly connecting you with the most advantageous USDA or FHA loans, minus the usual hassle. Begin by choosing from three different starting pathways which align with relevant lenders and USDA loan offerings.

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Understanding USDA Loans in the State of NC

The USDA home loan, backed by the Department of Agriculture, also recognized as a USDA rural development loan or USDA mortgage, is specifically designed for qualifying borrowers in rural locales. In contrast to FHA loans, which require at least a 3.5% down payment, the USDA mortgage does not necessitate any down payment, providing a more accessible option for many potential homeowners.

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



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  • We created a Homespire Mortgage with the vision of strengthening the communities in which we live and work. As active partners in the community, we focus on the well-being of the neighborhoods we serve. Our mission is to enrich and support our local communities helping our neighbors reach their goals .
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  • Liberty Home Mortgages LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage
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  • Pathway Credit Union
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