USDA Vs. FHA Pro and Con comparison in Kitty-Hawk, Dare County, NC

In 2025, the USDA loan limit for Kitty-Hawk, located in Dare county, NC, is $317,400; for FHA, the limit for a single-family home is $396,750.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Kitty-Hawk, Dare, NC

Loan Type Loan Limit Down Payment
USDA $317,400 0%
FHA $396,750 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Kitty-Hawk, NC

The aim of Lendersa® is to efficiently secure the best USDA or FHA loan for you without hassle. Choose from three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NC?

A USDA home loan, ensured by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require no down payment.

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



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