In 2025, the USDA loan limit for Northchase, located in New Hanover county, NC, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the best rates for USDA versus FHA loans. Determine what income, credit, reserves, and documents are needed for qualification. See USDA, FHA, Conforming, and VA options side by side with our advanced mortgage calculator to decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to provide you with the best USDA or FHA loan quickly and without hassle. Choose one of three starting options to match with lenders and USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, often called a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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