USDA Vs. FHA Pro and Con comparison in Lumberton, Robeson County, NC

In 2025, the USDA loan limit in Lumberton, located in Robeson county, NC, is $336,500. The FHA limit stands at $472,030 for single-family homes.

Lendersa® USDA loan calculator is perfect for comparing today's USDA versus FHA best rates. Determine the income, credit scores, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, helping you decide which option in Alabama suits your financial situation.

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Loan limits and down payment requirements for 2025 in Lumberton, Robeson county, NC

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

USDA and FHA Loan Options in Lumberton, NC

The primary aim of Lendersa® is to secure the best USDA or FHA loans quickly and with ease. You can begin with one of three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in NC

A USDA home loan, backed by the Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is specifically available in rural neighborhoods. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans require none.

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



  • FRAZER BANK
  • 110 East Broadway, Altus, OK, 73521
  • Delivering total convenience is the goal at Frazer Bank. We are a full service community bank offering personal and customized financial solutions to individuals and businesses in Oklahoma and Texas. Founded in 1902, we are in our second century of serving the people of our region.
  • Red River Federal Credit Union
  • 2721 N Main Street, Altus, OK, 73521
  • Red River Federal Credit Union has been open since 1957. It's the 23rd largest credit union in Oklahoma with assets totaling $114.95 Million and providing banking services to more than 9, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area
  • Refugio County Federal Credit Union
  • 514 Swift Street, Refugio, TX, 78377
  • Refugio County Federal Credit Union, founded in 1958, is a federally insured, member owned, not-for-profit financial institution whose purpose is to promote the financial well-being of its members. We serve the three school districts in Refugio County which include Refugio ISD, Woodsboro ISD, and Austwell-Tivoli ISD.
  • Brunswick State Bank
  • 226 2nd St, Brunswick, NE, 68720
  • Brunswick State Bank proudly provides Brunswick, NE and Winnetoon, NE with complete personal and business banking services. The town began in 1879 when the Galloway family moved to Ellsworth Township from Illinois. Each "eligible member of the family" filed homestead claims - the parents and three grown children.
  • Pathway Bank
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  • Pathway Bank is a progressive and independent community bank with approximately $167M in assets. A full-service financial institution, proactively seek and deliver innovative, competitive products and services that exceed expectations and support the people and communities we serve.
  • Woodland Bank
  • 2610 South Highway 169, Grand Rapids, MN, 55744
  • Woodland Bank is a family owned bank that traces its roots back to the logging boom days in Northern Minnesota. The bank was chartered in 1920 as Shovel Lake State Bank by Fred Blais to serve the needs of his logging camp and area community of Shovel Lake, Minnesota. In 1924, the bank acquired and merged with the First State Bank of Swatara
  • Blue Sky Mortgage Company
  • 2700 Hunter Rd, Suite B, San Marcos, TX, 78666
  • Blue Sky Mortgage Company our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
  • Mills County State Bank
  • 1017 Parker Street, Goldthwaite, TX, 76844
  • MCBank were planted in 1888 in Goldthwaite, Texas, when banking was limited to the community in which you lived. Back then, the Texas Legislature prohibited the issuing of state bank charters, which meant banks had to either get a national charter or work as a “private bank”—a bank opened to serve a community, with no official charter