USDA VS FHA in Oxford, Granville County, NC

For 2025, the USDA loan limit in Oxford, within the county of Granville, NC, is $404,800. In contrast, the FHA limit for a single-family residence is $602,600.

Make use of the Lendersa® USDA loan calculator to compare the optimal rates for USDA versus FHA today. It helps in determining the necessary income, credit prerequisites, reserves, and documentation needed to qualify. Our cutting-edge mortgage calculator allows you to analyze USDA, FHA, Conforming, and VA loans side by side, helping you choose the most suitable program in for your financial scenario.

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Loan Limits and Down Payment Conditions for 2025 in Oxford, Granville County, NC

Loan Type Loan Limit Down Payment
USDA $404,800 0%
FHA $602,600 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Alternatives in Oxford, NC

The mission of Lendersa® is to secure the best USDA or FHA loan for you promptly and with ease. You can start from one of three avenues to effectively match with suitable lenders and USDA loan schemes.

  1. Comprehensive USDA/FHA Loan Request Optimization
  2. Check USDA and FHA Rates & Terms Before Anything Else
  3. Explore the Largest USDA Loans Database
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Insights on USDA Loans in NC

A USDA home loan is secured by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. This loan is exclusive to rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, the USDA mortgage requires no down payment.

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