USDA Vs. FHA your options comparison in Morrisville, Wake County, NC

In 2025, USDA loan limit in Morrisville, county of Wake, NC is $336,500 while FHA limit is $502,550 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Morrisville, county of Wake, NC

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $502,550 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Morrisville, NC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • All Home Mortgages LLC
  • 4240 Airport Rd, Suite 101, Cincinnati, OH, 45226
  • All Home Mortgages LLC is a Cincinnati based mortgage company. It's goals are to provide great rates, service, and communication to it's clients and referral partners. Whether looking to refinance or purchase, we will work hard to get you a great deal on your mortgage and educate you on the process.
  • Rome Kraft Employees Credit Union
  • 4620 Alabama Hwy NW, Rome, GA, 30165
  • The Rome Kraft Employees Credit Union was chartered March 19, 1955. The sponsors of the credit union at that time were known as Rome Kraft Company and North Georgia Timberlands Company. Although the sponsor named has changed the Credit Union Charter has remained the same. Presently the sponsors are International Paper and Georgia Pacific.
  • River City Bank
  • 228 North 2nd Avenue SW, Rome, GA, 30165
  • At River City Bank, we work diligently to create an elevated experience for our clients. We don’t settle for service that’s simply good. When you bank with us, you can count on us to exceed your expectations not only when it comes to your finances, but in our customer service as well.
  • Coosa Valley Credit Union
  • 2010 Redmond Cir NW, Rome, GA, 30165
  • "We Care" and "We Treat You Like Family" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service you deserve.
  • Community Banking Company of Fitzgerald
  • 102 West Roanoke Drive, Fitzgerald, GA, 31750
  • Community Banking Company of Fitzgerald operates as a bank. The Bank offers personal, business account, checking, savings account, debit card, loans, finance, online banking, and other related banking services. Community Banking Company of Fitzgerald serves customers in the State of Georgia.
  • Colony Bank
  • 115 S Grant St, Fitzgerald, GA, 31750
  • Colony Bankcorp, Inc., with assets of $2.4 billion, is the Bank holding company for Colony Bank. Founded in 1975 and headquartered in Fitzgerald, Georgia, Colony operates 29 locations throughout Georgia. Colony offers personal and business services, and also has specialty divisions to meet the needs of its customers.
  • D A Griffin Financial, LLC
  • 880 Alexandria Pike, Suite 203, Fort Thomas, KY, 41075
  • D A Griffin Financial, LLC. We are a full service mortgage BROKER company based in Fort Thomas, Kentucky. As a small business we are on top of every transaction at all times. We can help you realize your dream of home ownership or save you money on a refinance. Our mission is to serve our customers with honesty, integrity and competence.
  • First Columbia Bank & Trust Co.
  • 232 East Street, Bloomsburg, PA, 17815
  • First Columbia Bank & Trust Co. has been Columbia County’s community bank for nearly 120 years. With more than $709.5 million in assets as of December 31, 2017, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia and Montour Counties and the surrounding area.
  • Pennstar Federal Credit Union
  • 4139 East State Street, Hermitage, PA, 16148
  • Your Credit Union provides and promotes the use of a variety of financial services which feature particular benefits and advantages over those generally available from other banking sources, with the specific intent of helping members gain some particular measure of personal financial success.
  • Mercer County Community Federal Credit Union
  • 559 N Hermitage Road, Hermitage, PA, 16148
  • Mercer County Community FCU is not just for teachers – we serve all of Mercer County, the surrounding counties of Lawrence, Venango and Crawford in PA; plus Mahoning, Trumbull and Columbiana in Ohio. The Credit Union is a member owned, not for profit organization. The Credit Union is striving to provide desired financial services to its members.
  • Northampton Area School District Employees Credit Union
  • 2014 Laubach Avenue, Northampton, PA, 18067
  • A Credit Union is organized by members of a group having a common bond. The Northampton Area School District Employees Federal Credit Union is comprised of public school employees, this being the common bond. The Northampton Area School District Employees Federal Credit Union began in 1939.
  • Pioneer Mortgage Services, LLC
  • 238 W Main St, Plain City, OH, 43064
  • Pioneer Mortgage was founded in 2005 on two main principles, customer satisfaction and excellent customer service. Since then we have made every business decision based off these principles. These principles along with the experience we have gained through one of the biggest financial meltdowns in American history.