USDA Vs. FHA Pro and Con comparison in Greensboro, Guilford County, NC

In 2025, the USDA loan limit for Greensboro, within Guilford, NC, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can analyze USDA, FHA, Conforming, and VA options side by side to help decide which program in best fits your financial situation.

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2025 Loan Limits and Down Payment Requirements in Greensboro, Guilford, 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 Greensboro, NC

The goal of Lendersa® is to provide you with the best USDA or FHA loans quickly and hassle-free. Choose one of three starting points to match with lenders and explore USDA loan programs.

  1. File a comprehensive USDA/FHA loan request
  2. Review USDA and FHA rates & terms upfront
  3. Navigate the largest database of USDA loan lenders
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Understanding USDA Loans in NC

A USDA home loan, guaranteed by the Department of Agriculture, is often referred to as a USDA rural development loan or mortgage. It is available only in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages demand none.

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