FHA Vs. USDA loan program for James-City, Craven County, North Carolina

In 2025, the USDA loan limit in James-City, within Craven county of NC, stands at $285,000. In contrast, the FHA limit for a single-family home is $356,362.

Explore today's top USDA vs. FHA rates using the Lendersa® USDA loan calculator. Identify the required income, credit levels, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the program in that best fits your financial needs.

USDA and FHA Loan Programs in James-City, NC

Lendersa® aims to quickly offer you the best USDA or FHA loan without hassle. Select from three starting options to connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in NC

A USDA home loan is backed by the government via the Department of Agriculture, also known as a USDA rural development loan or mortgage. Available solely in rural neighborhoods, this loan requires no down payment, contrasting FHA loans, which require at least a 3.5% down payment, thus making it more attractive to eligible rural homebuyers.

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9195101108 Lender's profile and map Reviews Certified Home Loans 805 Spring Forest Road, Raleigh, NC, 27609 Certified Home Loans, a premier mortgage broker in Raleigh, NC, specializes in offering tailored mortgage solutions to suit every homeowner's needs throughout North Carolina. We excel in securing purchase mortgages and refinance options, always with competitive rates, no closing costs or low closing costs and personalized service.
(877) 807-9668 Lender's profile and map Reviews North State Bank 6204 Falls OF Neuse Rd, Suite 100, Raleigh, NC, 27609 North State Bank was built on a foundation of integrity, hard work, fairness, teamwork, and consistency. These core values permeate our organization and guide our choices and our decisions We have served the Wake County, North Carolina, area since June of 2000, focusing on the professional market and small to mid-size businesses. In 2006
(919) 539-9800 Lender's profile and map Reviews The Arkell Barnes Mortgage Team 900 Ridgefield Drive, Raleigh, NC, 27609 We’re a primary lender. This means we process, approve, underwrite and close every loan in-house. Right down the hall from your loan officer. No sending your paperwork to other specialists all over the country. Our efficiency can compress the loan process to as few as 7 days, getting you into your home faster.
(919) 647-7531 Lender's profile and map Reviews GoVa Loans 4515 Falls of Neuse Rd, Suite 300, Raleigh, NC, 27609 At GoVA Loans, our mission is to clear the path to homeownership for military members across the country by focusing on financial literacy and providing various tools to help build wealth in real estate. We combine today’s technology with the personal guidance needed during the mortgage process.
(844) 772-4842 Lender's profile and map Reviews Loans for fire and rescue 3600 Wake Forest Rd, Raleigh, NC, 27609 Civic is a digital-first credit union. We don’t just make banking more equitable. We transform the lives of our members. We work to move the needle for how people think about their money, their progress, and their community. credit union. We don’t just make banking more equitable. We transform the lives of our members.
(919) 851-0999 Lender's profile and map Reviews The David M. Damare 4098 Barrett Dr., Raleigh, NC, 27609 "David M. Damaré is a mortgage-lending expert with over 16 years of experience. He grew up in New Orleans, LA and graduated from the University of North Carolina at Chapel Hill in 1986. David went on to attend pilot training as a military officer with the United States Air Force. While flying for the North Carolina Air National Guard,"
(800) 868-4262 Lender's profile and map Reviews Coastal Credit Union 1000 St Albans Dr, Raleigh, NC, 27609 Coastal Credit Union has been serving its members since 1967. Being a not-for-profit financial institution, we are committed to providing outstanding customer service with 7AM to 7PM teller hours, products at competitive rates, and best in class mobile banking. Today, with assets totaling $3.4 billion, Coastal serves more than 270, 000 members.
(919) 264-6212 Lender's profile and map Reviews Positive Rate Mortgage LLC 1631 Midtown Place, Suite 129, Raleigh, NC, 27609 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide extremely competitive VA, Conventional, Jumbo and NON QM home loans to our clients. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We are a veteran owned, full-service mortgage brokerage company.
(919) 833-9761 Lender's profile and map Reviews First Citizens Bank 4300 Six Forks Road, Raleigh, NC, 27609 First Citizens began as the Bank of Smithfield in Johnston County, N.C. From a single office, First Citizens has grown to more than 550 branches in 19 states. First Citizens today is a full-service banking institution with more than 6, 500 employees. Our parent company, First Citizens BancShares, Inc.
(919) 847-2766 Lender's profile and map Reviews Integrated Funding 4098 Barrett Dr., Raleigh, NC, 27609 Integrated Funding, located near the North Hills shopping center in Raleigh, NC, is not your average mortgage company. We serve clients in Raleigh, Cary, Apex, as well as Charlotte, Wilmington and throughout North Carolina, and we offer custom-fitted mortgage and refinancing options to suit our clients’ individual needs.
(919) 890-3055 Lender's profile and map Reviews Residential Mortgage Advisors, LLC 5711 Six Forks Rd, Suite 308, Raleigh, NC, 27609 At Residential Mortgage Advisors, LLC. We are privileged to be a leader in providing home loans for borrowers in the triangle area and throughout North Carolina. Combining cutting edge technology, experienced loan officers and business partners, and the "best interest rates" in the market. We hope to be your lender of choice.
(919) 556-5146 Lender's profile and map Reviews Wake Forest Federal 302 South Brooks Street, Wake Forest, NC, 27587 Wake Forest Federal we strive to provide our customers with an atmosphere that is warm and welcoming – a “hometown feel.” We believe in truly knowing our customers and calling them by name. And our customers who are also our neighbors feel comfortable knowing we have their needs first and foremost.