In 2026, the USDA loan limit for Jefferson, in Ashe county, NC, stands at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the top rates for USDA versus FHA loans today. Determine the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, aiding in your decision for the best program suited to your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to help you secure the best USDA or FHA loan swiftly and without trouble. Choose one of three starting points to connect with lenders and access USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. This option is exclusively available in rural areas and, unlike FHA loans that require a 3.5% down payment, the USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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