In 2026, the USDA loan ceiling for a single-family home in Gastonia, located in the county of Gaston, NC is $336,500, whereas the FHA limit is $472,030.
Make use of the Lendersa® USDA loan calculator to evaluate today's most favorable USDA and FHA rates, and ascertain the necessary income, credit, reserves, and paperwork required for qualification. Our sophisticated mortgage calculator allows you to view the USDA, FHA, Conforming, and VA loan programs side by side, aiding in selecting the optimal program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly and effortlessly secure the best USDA or FHA loan for you. Begin with one of three avenues leading to matching lender connections and USDA loan programs.
A USDA home loan, which is granted by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, applies exclusively to rural areas. Unlike the FHA loans that require a minimal down payment of 3.5%, USDA mortgage loans are granted without any initial payment requirements.
Enter your location to find out if it qualifies for USDA rural housing loan?
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