As of 2026, the USDA loan limit in Goldsboro, located in Wayne, NC, stands at $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA, establishing the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator enables you to see USDA, FHA, Conforming, and VA loans side by side, supporting your decision on the most suitable program for your financial needs 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% |
Lendersa® strives to connect you with the best possible USDA or FHA loans quickly and with ease. Select one of three starting points to find matching lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also called a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans needing a minimum of 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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