USDA and FHA Pro and Con in Lexington, Davidson County, NC

In 2025, the USDA loan limit for Lexington, located in Davidson county, NC, is set at $336,500. For a single-family home, the FHA limit is $472,030.

Explore the Lendersa® USDA loan calculator to evaluate the current best rates of USDA versus FHA loans. It will help you determine the necessary income, credit, reserves, and paperwork for eligibility. Our advanced calculator compares USDA, FHA, Conforming, and VA loans side by side, aiding your decision for the best financial fit in .

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2025 Loan Limits and Down Payment Needs in Lexington, Davidson, NC

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Lexington, NC

At Lendersa®, our aim is to secure the most beneficial USDA or FHA loan quickly and without hassle. Choose one of three ways to connect with lenders and USDA loan programs suited to your needs.

  1. Submit a complete USDA/FHA optimization request
  2. Check USDA and FHA rates & terms initially
  3. Access a vast directory of USDA loan providers
Lendersa USDA loan request and matching results

What is a USDA Loan in NC?

A USDA mortgage is a loan insured by the Department of Agriculture, known as a USDA rural development loan, available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment at all.

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




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