For 2026, the USDA loan limit in Oak-Ridge, within the county of Guilford, NC is $285,000, while the FHA limit is $356,362 for a single-family home.
Utilize the Lendersa® USDA loan calculator to compare the leading rates of USDA versus FHA and determine the necessary income, credit level, reserves, and documents needed to qualify. With our sophisticated mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which option in best suits your financial circumstances.
Loan Limits and Downpayment Requirements for 2026 in Oak-Ridge, Guilford County, NC
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in Oak-Ridge, NC
Lendersa® seeks to secure you the most suitable USDA or FHA loan efficiently and without hassle. Choose one of three starting paths that align with lenders and USDA programs.
A USDA home loan, guaranteed by the government via the Department of Agriculture, also known as a USDA rural development loan, is available only in rural areas. Unlike FHA loans which require a 3.5% down payment, the USDA mortgage requires none, making it more accessible for eligible homebuyers in rural communities.
Established in 2000, Bank of Oak Ridge is a community bank dedicated to delivering Spectacularly Local banking. With Triad locations in Oak Ridge, Greensboro, High Point and Summerfield, North Carolina, we focus on providing personalized, convenient banking services close to home and work
The Winston-Salem Federal Credit Union was incorporated in October, 1957. The Credit Union ended that year with 94 members and $2, 980 in assets. Today we are a full service credit union serving thousands of members with millions of dollars in assets.
To be the members' primary financial institution by providing reliable,
893 North Liberty Street, Suite A, Winston Salem, NC, 27101
Lends in North Carolina
Truliant Federal Credit Union was chartered in 1952 to serve the employees of Western Electric and was known as Radio Shops Credit Union. It began serving about 2, 000 members and offered credit union services in Winston-Salem, Greensboro and Burlington. Today, Truliant serves over 280, 000 members with more than 30 locations.
2201 Eastchester Drive, Suite 107, High Point, NC, 27265
Lends in North Carolina
We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.
Summit Credit Union is a not-for-profit cooperative serving members since 1935. Summit is a full service financial institution offering products from traditional savings and checking accounts, to lending, financial advising, property, life, casualty insurance, and more. We have eight branches conveniently located throughout North Carolina.
5574 Garden Village Way, Suite B-3, Greensboro, NC, 27410
Lends in North Carolina
Integrity Mortgage Group offers wide range of lending programs, including first time home buyer/FHA loans as well as loans for well-established customers thinking about second homes, vacation homes, investment properties, rental units, and "fixer-uppers." We also have a variety of money-saving refinancing options.
At First Carolina Mortgage, we have been proudly serving the Greensboro, Triad, North Carolina area since 1990. We strive to render professional service in a friendly atmosphere. Our loan officers have the skills and experience to meet your lending needs. Customer satisfaction will always be our top priority.
3859 Battleground Ave, Suite 101, Greensboro, NC, 27410
Lends in North Carolina
At Jefferson Capital Mortgage. We are a local full-service mortgage company based in Greensboro, North Carolina. We service all of North Carolina and Virginia. We specialize in FHA, VA, USDA, HomePath, Jumbo and Conventional Loans. Whether you are buying a home or refinancing in North Carolina or Virginia we can help you realize you.
1501 Highwoods Boulevard, Suite 103, Greensboro, NC, 27410
Lends in North Carolina
The Triad’s economy is fueled by small businesses and these companies need capital to continue to thrive. The Triad has gone from a banking community with local leadership with a vested interest in the Triad to larger institutions with broader interests. Triad Business Bank can be a catalyst for our community.
