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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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