USDA Vs. FHA your options comparison in Mineral-Springs, Union County, NC
In 2025, the USDA loan limit in Mineral-Springs, Union, NC is $285,000, while the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the prevailing USDA and FHA rates. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding in your decision on the best program for your financial position in .
2025 Loan Limits and Down Payment Requirements in Mineral-Springs, Union, NC
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Mineral-Springs, NC
Lendersa® aims to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, or USDA rural development loan, is accessible only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need none.
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