For 2026, the USDA loan limit in Oak-Island within Brunswick county, NC, is established at $285,000. By contrast, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's best available rates for USDA versus FHA loans. Assess the qualification requirements such as income, credit scores, reserves, and necessary documents. Our advanced mortgage calculator enhances your ability to view USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the optimal program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Oak-Island, Brunswick, NC
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Oak-Island, NC
At Lendersa®, our mission is to provide you with the most suitable USDA or FHA loan quickly and without hassle. Begin with one of three starting points to connect with lenders and appropriate USDA loan programs.
The USDA home loan, secured by the government Department of Agriculture and also known as a USDA rural development loan, is exclusively available in rural neighborhoods. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans do not require any down payment, making them a particularly appealing option for eligible borrowers.
5016 East Oak Island Drive, Unit 2, Oak Island, NC, 28465
Lends in North Carolina
Shoreline Mortgage can shop several different lenders to find you the lowest rate and unlike large lenders we don’t have high profit margins to cover a large staff or overhead. At Shoreline Mortgage Group we will do the shopping for you so you can get the lowest rate and best product to fit your individual mortgage needs.
Gateway Funding, Inc. is a NC based family owned and operated specializing in commercial lending with a wide range of products in 45 states. We give a free consultation in order to determine the goals of the client and assess their financial situation. (Including refinancing) Gateway Funding, Inc.
5653 Carolina Beach Rd, Suite D2, Wilmington, NC, 28412
Lends in North Carolina
We specialize in residential mortgages and offer conventional, FHA, USDA, and VA loans. We take pride in treating each customer as a family member! Our dedication to customer service is the foundation of our business. With many years experience, it’s the reason so many of my clients finance with Seaside Mortgage.
We are dedicated to treating others with excellence, just as we would like to be treated ourselves. This is not just an example of the "Golden Rule", but a Biblical principle we have chosen to practice on a daily basis. ABBA First Mortgage offers the best mortgage rates in North Carolina and Tennessee
Connected Investors is the real estate investors marketplace and community. Inside you can connect with a network of real estate entrepreneurs in your town and all across the nation. The Connected Investors platform is designed to help you connect-the-dots to financial freedom through investing in real estate -
Live Oak Bank has had the privilege of helping thousands of passionate, driven people turn their dreams into reality. These everyday heroes aren’t in it for the fortune or the fame. They’re in it to make a difference, just like we are. As one of the last banks to get a charter before the start of the Great Recession.
Alpha Mortgage Corporation has been serving our local communities since 1983, and our unwavering support continues to this day. With a team of experts by your side throughout the entire loan process, you can rest at ease knowing that you are getting the best most attentive service available.
"Alpha Mortgage Corporation is a full service mortgage banker with in-house processing, underwriting, closing and funding of your home.
Formed in 1983, Alpha Mortgage has attained its growth and success through the introduction of a continuing series of innovative programs and services that have become standards in the mortgage lending industr
215 Racine Drive, Suite 105, Wilmington, NC, 28403
Lends in North Carolina
Coastline Mortgage Consultants, LLC is one of Wilmington’s oldest mortgage companies. Founded in 2002, Coastline Mortgage Consultants, LLC is locally owned and operated by John Russ and Chad Ludwig. With over 40 years combined experience in the mortgage industry, John and Chad have successfully navigated multiple industry changes
