USDA VS FHA in Franklin, Macon County, NC

In 2025, USDA loan limit in Franklin, county of Macon, NC is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Franklin, county of Macon, NC

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

USDA and FHA loan options in Franklin, NC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • West Penn Financial Service Center Inc.
  • 2250 Babcock Blvd, Pittsburgh, PA, 15237
  • West Penn Financial Service Center Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders
  • MABC MORTGAGE LLC
  • 2001 Kinvara Drive, Pittsburgh, PA, 15237
  • MABC Mortgage, LLC is committed to personalized service and excellence! Opened in 2004, servicing the State of Pennsylvania, we have built a strong reputation through our commitment to customer service. Honesty, integrity and strong work ethics are at the center of our business practice. We are a Pittsburgh based, woman owned mortgage brokerage.
  • Hampton V. A. Federal Credit Union
  • 28 Averill Avenue, Building 28, Hampton, VA, 23667
  • Hampton V. A. Federal Credit Union has served health care professionals since it was chartered in 1936. Originally organized to serve the medical workers employed at Kecoughtan Veterans Hospital in Hampton, Virginia, the credit union field of membership has grown to include all health care workers who work in the cities of Hampton
  • American Home Mortgage Group LLC
  • 408 South Central Avenue, Flagler Beach, FL, 32136
  • American Home Mortgage Group has been locally owned and operated in beautiful Flagler Beach, Florida since 2003. Our employees value honesty, integrity, and service. We strive to help you and your family finance the home of your dreams and absolutely love what we do. We work hard to be more than just a highly respected mortgage broker.
  • Churchill Mortgage Corporation
  • 712 S Ocean Shore Blvd #206, Flagler Beach, FL, 32136
  • Churchill Mortgage is a full-service and financially sound leader in the mortgage industry. We love working with real estate agents, buyers and sellers. The Churchill Mortgage team wants to help you plan a smarter mortgage plan, specifically designed to help you meet your unique needs now and into the future.
  • American Home Mortgage Group
  • 408 S. Central Ave, Flagler Beach, FL, 32136
  • American Home Mortgage Group is a trusted mortgage source in Flagler Beach, Florida since 2003. In today’s changing real estate market, it is more important now than ever to have a trusted mortgage consultant. Our team has the knowledge to analyze each individual’s goals and objectives and tailor the best mortgage solution to meet those needs.
  • First Signature Mortgage, LLC
  • 440 Monticello Ave, Suite 150, Norfolk, VA, 23510
  • First Signature Mortgage, LLC supports Equal Housing Opportunity The mortgage process can be confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you customized options from great lenders and make sure to find the right loan for you!
  • Temple Mortgage LLC
  • 440 Monticello Ave, Suite 1850, Norfolk, VA, 23510
  • Temple Mortgage LLC is a company dedicated to providing quality financial services. We specialize in offering the lowest rates available and tailoring the services to meet the needs of our customers. Our qualified staff is available to answer any questions regarding property purchases, ReFinancing of primary and secondary property.
  • WESTMORELAND WATER FCU
  • 1900 Franklin Street, Greensburg, PA, 15601
  • The Westmoreland Water FCU is a non-profit multiple group credit union that was federally chartered in 1953 and also To provide the best quality services available to meet the financial needs of our members. Offering these services at fair and competitive prices while safeguarding the assets of Westmoreland Water Federal Credit Union.