USDA Vs. FHA your options comparison in Franklin, Macon County, NC
In 2025, the USDA loan limit for Franklin in Macon County, NC, is set at $336,500. Contrastingly, for single-family homes, the FHA limit stands at $472,030.
To explore the best current rates between USDA and FHA, make use of the Lendersa® USDA loan calculator. It assists in determining the income, credit standards, reserves, and documentation required to qualify. This comprehensive mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loan options to help you choose which program in suits your financial situation best.
2025 Loan Limits and Down Payment Requirements in Franklin, Macon County, NC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Franklin, NC
The aim of Lendersa® is to swiftly and effortlessly secure the best USDA or FHA loan for you. Start by selecting one of three straightforward paths to connect with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is also referred to as the USDA rural development loan or USDA mortgage. It is exclusively available in rural areas and distinct from FHA loans, which mandate a minimal 3.5% down payment. USDA loans require no down payment, making them particularly appealing in eligible rural settings.
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