In 2026, the USDA loan limit for Granite-Quarry within Rowan, NC, is $285,000, while the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's USDA versus FHA rates. Determine necessary qualifications, including income, credit, reserves, and documents. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA programs side by side to find the best fit for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa®'s aim is to provide the best USDA or FHA loan quickly and effortlessly. Select one of three pathways to connect with matching lenders and USDA programs.
A USDA home loan, backed by the government Department of Agriculture and known as the USDA rural development loan, is available exclusively in rural neighborhoods. Unlike FHA loans requiring a 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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