USDA and FHA Pro and Con in Sanford, Lee County, NC

In the year 2025, the USDA loan cap in Sanford, located in the county of Lee, NC, is set at $336,500. In comparison, the FHA maximum for a single-family dwelling is $472,030.

Utilize the Lendersa® USDA loan calculator to weigh today's USDA against FHA rates. Determine the necessary income, credit score, asset reserves, and documentation to qualify. Our sophisticated mortgage calculator allows you to evaluate USDA, FHA, Conforming, and VA side by side, aiding in choosing the most suitable program in Alabama for your unique financial circumstances.

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Loan limits and downpayment requirements for 2025 in Sanford, within Lee county, NC

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

Options for USDA and FHA Loans in Sanford, NC

Lendersa® aims to secure you the best possible USDA or FHA loan efficiently and smoothly. You can start with any of these three options to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

The USDA home loan, assured by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is accessible in rural areas alone. In contrast to FHA loans demanding at least a 3.5% down payment, USDA loans require none.

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



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  • Esteem Mortgage mortgage industry in 1979. My experience includes Loan Processing, Underwriting, Funding, Closing, and managing a Banker's office as an AVP. I currently hold my NMLS License and Real Estate License. My clients love working with me because I can anticipate any unforeseen issues and resolve them before they become a problem.
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  • Shtil Group mortgage for purchasing or refinancing a property, advice on lending options for investing in real estate, specialty small business financing, or help finding the property of your dreams, Vadim is here to share his expert advice and talents as an Independent Mortgage & Real Estate Broker. Using the latest technology available.
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  • Oikos Mortgage Funding
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  • Oikos Mortgage Funding understands that borrowing and lending money can be a long tedious process, particularly if all parties involved don’t have the same intention. We understand that every borrower’s and lender’s situation is unique, therefore we provide a varied array of loan products.
  • Econ Financial Group., Inc
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  • Our mission is to serve our customers with honesty and integrity while providing the highest quality of service. Our goal is to provide you with a home loan at the lowest interest rate and closing costs possible. We understand the loan process can be overwhelming, thats why our team of experts help borrowers overcome roadblocks along the way.
  • YSN Financial Corp
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  • Devine
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  • DEVINE take pride in not being your cliche one size fits all real estate or property management company. Combining our team of experienced real estate experts and professional multimedia designers allows us to offer a powerful marketing strategy designed to effectively attract and engage the modern day real estate consumer market