In 2025, the USDA loan limit for Mount-Olive, in Wayne county, NC, is $285,000. By comparison, the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to examine today's optimal USDA versus FHA rates, determining the eligibility criteria for income, credit, reserves, and necessary documentation. Our advanced mortgage calculator provides side-by-side views of USDA, FHA, Conforming, and VA loans, aiding you in selecting the program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to efficiently secure the best USDA or FHA loan, quickly and without hassle. Choose from three beginning routes for lender matching and USDA loan program discovery.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, available only in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require none, making them appealing to qualified buyers in rural districts.
Enter your location to find out if it qualifies for USDA rural housing loan?
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