USDA VS FHA in Mount-Airy, Surry County, NC

For 2026, the USDA loan limit in Mount-Airy, located in the county of Surry, NC, is $285,000. In comparison, the FHA limit for a single-family home is $356,362.

Make use of Lendersa®'s USDA loan calculator to contrast today's best rates between USDA and FHA. You'll find out the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side, making it easier to decide which program is ideal for you in .

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Review 2026's Loan Limits and Downpayment Requirements in Mount-Airy, Surry, NC

Loan Type Maximum Loan Limit Required Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Mount-Airy, NC

At Lendersa®, our objective is to secure the best possible USDA or FHA loan promptly and effortlessly. Begin with one of three initial paths that connect you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

The USDA mortgage is a loan backed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan, exclusive to rural areas. Unlike FHA loans requiring at minimum 3.5% down, USDA loans need no down payment, making it a favorable option for those eligible.

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



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  • 2245 Campus Drive, El Segundo, CA, 90245
  • SRE Mortgage Alliance is dedicated to providing exceptional value to mortgage brokers by offering competitive products, excellent service and reliable on-time closing. SRE Mortgage Alliance is a new wholesale lender specializing in residential home loans. We are #BuiltForPurchase and #FocusedOnYou.

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  • All Square Mortgage Inc Founded in 2012 and top 20 lenders by a preferred national investor. The key to our success has been a combination of consistently offering the competitive rates and fees along with giving our clients outstanding customer service. We take pride in treating our clients with honesty and integrity

  • Specialty Lending Group
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    Those who have faced challenges with their credit, down payment, debt-to-income ratios, employment history, provable income, etc.

    Together with our experience and expertise, we provide solutions"

  • Rockland Commercial
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  • Peer Street, Inc.
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  • ABM Realty Group Inc.
  • 11600 West Washington Place, Suite 111, Los Angeles, CA, 90066
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  • E3 Capital Partners
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  • CP Financial and CP Realty Inc.
  • 12012 West Washington Boulevard, Suite C, Los Angeles, CA, 90066
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  • Mbanc
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  • Kinecta Corporation
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