USDA Vs. FHA Pro and Con comparison in Locust, Stanly County, NC

In 2025, the USDA loan limit for Locust in Stanly county, NC, is $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare current USDA versus FHA rates. Identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a comprehensive view of USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Locust, Stanly, NC

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

Options for USDA and FHA Loans in Locust, NC

The aim of Lendersa® is to provide you with the best USDA or FHA loan swiftly and without hassle. Choose from three starting points to connect with matching lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

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

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



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