USDA Vs. FHA Pro and Con comparison in Pineville, Mecklenburg County, NC

For 2025, the USDA loan cap in Pineville, located in the county of Mecklenburg, NC, is $336,500. On the other hand, the FHA limit for a single-family residence is $472,030.

You can use the Lendersa® USDA loan calculator to compare the most competitive USDA vs. FHA rates available today. Determine the income, credit, reserves, and documents required to qualify. Our cutting-edge mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding in deciding the best program in suitable for your financial needs.

Browse loan offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Pineville, County of Mecklenburg, NC

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loan Options in Pineville, NC

Lendersa®'s mission is to provide you with the optimal USDA or FHA loan promptly and without any hassle. Start with one of three initial steps leading to match-finding lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan is backed by the Department of Agriculture, known also as a USDA rural development loan or USDA mortgage. This type of loan is specifically available for rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA mortgages need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 7929 South Quemoy Way, Aurora, CO, 80016
  • Mountain States Lending are a first time home buyer needing financial assistance, buying your next investment property or something in between, we can help! We can help you purchase or refinance your primary residence, 2nd home or investment property. Along with the traditional Conventional, FHA, VA, Jumbo and USDA loans and more
  • End To End Home Loans LLC
  • 6105 South Main Street, Suite 200, Aurora, CO, 80016
  • End To End Home Loans LLC to our customers to determine their real estate financing goals, needs, and wants. To find the best solution, we leverage our expertise, leading edge technology, and relationships with top lenders. We guide our customers through the mortgage process end to end.
  • Mortgage First LLC
  • 6140 South Gun Club Drive, Building K6, Suite 195, Aurora, CO, 80016
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Synergy Mortgage Solutions LLC
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  • Custom Mortgage Solutions, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
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  • TruCommunity Bank is the new, shared name of three banks in McLean County, North Dakota — Farmers Security Bank, Garrison State Bank & Trust, and Bank of Turtle Lake. TruCommunity Bank has roots going back to 1919. We’re stronger and more efficient together, and ready for the future too. It’s Community banking at its best.
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