USDA VS FHA in Newport, Carteret County, NC

For 2025, the USDA loan limit in Newport within Carteret County, NC, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. Assess the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in making an informed decision regarding the most suitable program for your financial situation in .

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Loan Limits and Downpayment Requirements in Newport, Carteret County, NC for 2025

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

Exploring USDA and FHA Loan Options in Newport, NC

The purpose of Lendersa® is to secure the best USDA or FHA loan for you promptly and without hassle. Choose from three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

USDA home loans, also referred to as USDA mortgages or rural development loans, are guaranteed by the Department of Agriculture and available exclusively in rural areas. Unlike FHA loans, which mandate a minimum of 3.5% down payment, USDA loans require no down payment at all, making them particularly appealing for eligible borrowers.

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



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  • Our services are similar to a bank, we are a non-profit financial institution operating strictly for the benefit of our members. We strive to provide our members with higher yields on savings and lower rates on loans. Founded in 1939, our goal is to help each and every member attain a strong and secure financial future.
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  • HealthCare First Credit Union’s Field of Membership is open to any person working in the health care field in the Tri-County of Cambria, Somerset and Blair Counties, Pennsylvania. This includes, but is not limited to, employees, doctors, medical staff, technicians, volunteers under hospital staff supervision.
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  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Commercial Mortgage Associates Inc.
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  • Commercial Mortgage Associates Inc. was founded by Gary Ambrosi in 1989 as a commercial mortgage brokerage company helping business owners and investors finance small to mid-size commercial real estate. Since, Commercial Mortgage Associates has become highly respected in the commercial lending industry that investors can rely on, and yet.
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  • Penn Community Bank provides banking, lending, and investment solutions for customers throughout Southeastern Pennsylvania, pairing the data-driven technology that families and business owners need with the local decision-making authority and focus they want. When we work with our customers, we’re in it together. And our commitment to community doe
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  • New South Credit Union is unique and distinct from any bank. Unlike banks that are in business to make profit, New South is a not-for-profit institution organized to promote thrift and provide credit to members. Yes, we offer savings and checking accounts, loans, and many other financial services that banks offer.
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  • 422 Allegheny Street, Hollidaysburg, PA, 16648
  • Our company is based on the belief that our customers’ needs and those of their family are of the utmost importance. Our entire team is committed to meeting those needs. As a result, over 80 percent of our business is from repeat customers and referrals. We value our Past Clients, Realtor, Builder and Financial Planner relationships.
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  • Appalachian Home Loans, Inc. is committed to providing an accessible website. Appalachian Home Loans, Inc. will strive to provide the content you need in the format you require. Appalachian Home Loans, Inc. welcomes your suggestions and comments about improving ongoing efforts to increase the accessibility of this website.