USDA and FHA Pro and Con in High-Point, Guilford County, NC

In 2025, USDA loan limit in High-Point, county of Guilford, NC is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in High-Point, county of Guilford, NC

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in High-Point, NC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Andrew Whearty Mortgage Lender
  • 500 Prince Georges Blvd, Upper Marlboro, MD, 20774
  • At NASA Federal Credit Union, we have great people creating and building a world-class organization in an ever-changing world. Our success as an organization is based on the vision, mission and values that guide us in how we do business every single day. Empowering people to achieve a brighter financial future is OUR MISSION.
  • First Funding Inc
  • 9701 Apollo Drive, Suite 495, Largo, MD, 20774
  • "Incorporated in 1997, the home loan experts at First Funding, Inc. have been serving clients since 1990 and continues building strong relationships with some of the best lending institutions nationwide. First Funding, Inc. provides access to the most flexible lending solutions that not only meet the financial needs of its clients
  • Jefferson Security Bank
  • 105 E Washington Street, Shepherdstown, WV, 25443
  • Jefferson Security Bank is a West Virginia state-chartered bank that was formed and opened for business May 19, 1869 making it the oldest bank in Jefferson County, West Virginia. Originally chartered as Jefferson Savings Bank, it changed its corporate name in 1909 to Jefferson Security Bank.
  • PGPresents, LLC
  • 230 Willis Drive, Shepherdstown, WV, 25443
  • PGPresents is an independent student loan consulting company providing educational debt management help for student loan borrowers. PGPresents specializes in helping recent medical school graduates develop repayment strategies as they transition into residency programs. While the majority of clients are graduates of medical
  • CORE MORTGAGE SERVICES, LLC
  • 3988 Kearneysville Pike, Shepherdstown, WV, 25443
  • Core Mortgage Services, LLC brings a refreshing and innovative approach to mortgage lending through diverse and coveted loan product availability. Our team of experts are ready to help you find the ideal mortgage for your situation. We serve all areas of Pennsylvania, Virginia, West Virginia, and Florida
  • 1Rate Inc
  • 12123 Heritage Park Circle, Silver Spring, MD, 20906
  • 1RATE is a premier mortgage advisory firm. 1RATE specializes in home purchases, refinance, FHA loans, VA Loans. We guide our clients to review and select the best mortgage that fits their financial strategy - and show them how to leverage their mortgage as a financial tool instead of a burden. We are client-first by being employee-first!
  • FedChoice Federal Credit Union
  • 10001 Willowdale Road, Lanham, MD, 20706
  • FedChoice Federal Credit Union is home to almost 25, 000 members who look to us for their day-to-day financial needs, future prosperity and retirement security. We serve federal civilian employees, as well as federal government contractors in the Washington D.C., Baltimore, and Philadelphia metro areas, along with their family and household members
  • IBEW 26 Federal Credit Union
  • 4371 Parliament Place, Suite C, Lanham, MD, 20706
  • The IBEW 26 FCU is a member-owned financial institution whose purpose is to promote and assist in the financial well-being of members by providing professional, personal, competitive, safe and sound financial services within the financial ability of the credit union. IBEW 26 FCU strives to become the primary financial institution of its members.
  • All Homes Financial LLC
  • 4601 Presidents Drive, Suite 155, Lanham, MD, 20706
  • Specializing in Maryland, Washington DC and Licensed by the State Corporation Commission Virginia License# MC5156. Do you need to consolidate debt, need home improvement or just cash? We have helped homeowners receive millions of dollars with our loan programs and easy qualification. Refinance that high second mortgage/equity line of credit,