USDA VS FHA in Roanoke-Rapids, Halifax County, NC

In 2025, USDA loan limit in Roanoke-Rapids, county of Halifax, NC is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Roanoke-Rapids, county of Halifax, 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 Roanoke-Rapids, NC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • SMB Compass
  • 411 Theodore Fremd Ave, Rye, NY, 10580
  • SMB Compass is a bespoke business financing company focused on providing financing and education to small businesses across the United States. As banks continue to make it difficult for small businesses to borrow money, we continue to provide cost effective and flexible colutions
  • Advantage Home Lenders
  • 2137 Deer Park Avenue, Suite B, Deer Park, NY, 11729
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • NFG #2 Federal Credit Union
  • 1303 Pennsylvania Avenue West, Warren, PA, 16365
  • Our Credit Union started as Pennsylvania Gas Company #2 (P.G.C. #2) in 1954. It became NFG#2 Federal Credit Union in 1974. Over the years the Credit Union has evolved from the first floor of a residential home on Cedar Street in Warren, PA to what is now our own building at 1303 Pennsylvania Avenue West, where the old West End Fire Hall was.
  • Kinzua Federal Credit Union
  • 213 West Third Avenue, Suite 208, Warren, PA, 16365
  • Kinzua Federal Credit Union (formerly known as NFO Irvine FCU) has been open since 1956. The credit union has assets totaling $12.81 Million and provides banking services to more than 2, 000 members as of March 2022. The credit union serves multiple member groups, but primarily serves fabricated metals employees.
  • Northwest Consumer Discount Company
  • PO Box 128, Warren, PA, 16365
  • Founded in 1896, we’ve been around 120 years. That type of longevity proves that we’re a trusted institution with a history of award-winning customer service. We offer products and services to fit your diverse banking needs. From checking and savings accounts to business loans and retirement accounts, we think you’ll like what we have to offer.
  • Akron Fire Department Credit Union
  • 1810 Buchholzer Boulevard, Akron, OH, 44310
  • Akron Fire Department Credit Union more than 80 years ago. Our name later became Akron Firefighters Credit Union & membership expanded to firefighters & their families throughout Northeast Ohio. In 2016, we merged the Akron Police Department Credit Union into our membership. Membership is now open to include all First Responders in the state
  • The First National Bank of Brooksville
  • 105 Locust St, Brooksville, KY, 41004
  • The First National Bank of Brooksville is located in Brooksville, KY, United States and is part of the Depository Credit Intermediation Industry We offer Real Estate Loans- Fixed and Variable Auto Loans Farming Expense Loans Business Loans Personal Loans Home Equity Loans Farm Operating Loans Farm Purchase Loans.
  • JET DIRECT MORTGAGE
  • 111 W MAIN ST, BAY SHORE, NY, 11706
  • We have built a strong reputation as an outstanding Mortgage Lender, serving the needs of real estate professionals, builders and individual homebuyers throughout the country since 2001. We're a full service Mortgage Lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction
  • Emigrant Mortgage Co Inc
  • 7 Westchester Plz, Suite 229, Elmsford, NY, 10523
  • Emigrant Mortgage Company, Inc. (Emigrant) is a direct lender specializing in creative financing for residential properties. Headquartered in Elmsford, New York, Emigrant is a wholly owned subsidiary of Emigrant Bank, which has been serving the credit and banking needs of the New York community for more than 169 years.
  • Jennings Realty Agency Corp
  • 214 Mamaroneck Avenue, White Plains, NY, 10601
  • Jennings Financial Advisory Corp provides in house services for mortgages / finances, real estate and insurance.This breadth of coverage, combined with specialist services, means we'll always have an expert who is relevant to you.Our business is built on trust and integrity and that is what gives our clients, colleagues and partners.
  • Direct Lending Group
  • 34 South Broadway, White Plains, NY, 10601
  • Loan Fundr is a private Nationwide commercial lender headquartered in New York, offering many financing options, including: bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing
  • Greater Wayne Community Federal Credit Union
  • 328 N Main Street, Rittman, OH, 44270
  • Greater Wayne Community Federal Credit Union began in 1941 as the PCA Federal Credit Union. In 2008 We converted to a community charter, opening our doors to anyone who lives, works, worships, or attends school in Wayne County, Ohio. In 2020 GWC Federal Credit Union and Morton Salt Credit Union merged. We now have two offices, Rittman, and Doylesto