USDA Vs. FHA Pro and Con comparison in Hamlet, Richmond County, NC
In 2025, the USDA loan limit in Hamlet, within Richmond county, NC, is $336,500. In comparison, the FHA cap for a single-family home stands at $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. The tool helps determine the income, credit requirement, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing which program in best suits your financial circumstances.
Loan Limits and Down Payment Requirements for 2025 in Hamlet, Richmond County, NC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Understanding USDA and FHA Loan Options in Hamlet, NC
The aim at Lendersa® is to quickly provide the best USDA or FHA loan with minimal hassle. Begin with one of three starting points to connect with lenders and access USDA loan programs.
The USDA home loan, also known as the USDA rural development loan, is guaranteed by the Department of Agriculture and is limited to rural neighborhoods. Unlike FHA loans, requiring a down payment of at least 3.5%, USDA mortgages require none, making them more attainable for buyers in eligible rural areas.
East Coast Capital was founded in 1999 by Seth Fass who still remains the leader of the organization to this day.The company continues to grow at a staggering rate by only hiring the most qualified professionals & educating them on a culture that has persevered to this day. Trust coupled with expertise allows our firm to stay ahead of the industry.
One Huntington Quadrangle, Suite 1N09, North Tonawanda, NY, 11747
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201 Old Country Rd, Suite 140, Melville, NY, 11747
Our company focuses on educating first time home buyers, saving people money through refinances, giving people the opportunity for a better life through reverse mortgages, and above all education and transparency. We were founded by Steven A. Milner over 2 decades ago, and have been committed to “Helping You Make It Home®” since. Founded in 1994
445 Broad Hollow Rd, Suite 334, Great Neck, NY, 11747
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Rick Spears founded Prodigy Mortgage Corporation in 1999. Our philosophy is to conduct ourselves as a Discount Mortgage Broker with concentration in high net worth borrowers, 1st time homebuyers, FHA, and VA financing. We have deep and long standing business relationships and agreements with banks and Lending Companies.
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We offer the best mortgage tools available on the internet - easy, convenient online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing—and qualifying for!—the exact loan to meet your specifi
