USDA VS FHA in Hickory, Catawba County, NC

In the year 2025, the USDA loan limit for a single-family home in Hickory, within the county of Catawba, NC, is set at $336,500. On the other hand, the FHA loan limit is $472,030.

To compare the most competitive USDA and FHA rates available today, use the Lendersa® USDA loan calculator. This tool will also help you understand the income, credit, reserves, and documentation required to qualify. Our sophisticated mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA loans, allowing you to identify the best mortgage program for your financial situation in .

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Overview of 2025 Loan Limits and Down Payment Requirements in Hickory, Catawba, 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 Hickory, NC

At Lendersa®, our aim is to facilitate a quick and straightforward process for securing the best USDA or FHA loan. Choose from three different starting points to effectively match with lenders and explore USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan, endorsed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas, unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage does not necessitate any initial payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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