As of 2026, the USDA loan limit in Selma, within Johnston county, NC, is $336,500, whereas the FHA cap for a single-family home is $502,550.
Utilize the Lendersa® USDA loan calculator to explore and compare the day's top USDA vs. FHA rates. Discover the income, credit, reserves, and documentation needed for qualification. Through our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in is the best fit for your financial needs.
Current Loan Limits and Downpayment Requirements for 2026 in Selma, Johnston County, NC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$502,550
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Programs Available in Selma, NC
The mission of Lendersa® is to secure for you the most favorable USDA or FHA loan promptly and with minimal hassle. Start with one of three pathways to reach lender matching and access USDA loan programs.
A USDA home loan, provided by the Department of Agriculture and known as a USDA rural development loan or mortgage, is specifically available in rural neighborhoods. In contrast to FHA loans, which require a down payment of at least 3.5%, USDA loans demand no down payment, enhancing affordability for homebuyers in eligible rural areas.
We know that each customer has specific needs, so we strive to meet those needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our team of professionals has over 100 years of lending experience with some of the biggest banks in the country.
KS Bank has served the Triangle East region of North Carolina. KS Bank, a state-chartered savings bank, is a community-oriented financial institution offering a broad array of competitive and pro-growth financial services to businesses, professionals, individuals, and families. KS Bank offers retail and commercial lending and deposit services, mort
First Carolina People’s Credit Union was formed in 1950 and chartered in 1952 under the name of Goldsboro Postal Credit Union to provide postal employees and their families with high quality services, to promote the wise use of their financial resources and complement their diverse lifestyles. Membership is a family affair.
Carolina Home Loans was founded in 1998 to provide an alternate to the “Big Bank” experience. You will work directly with the company’s founder & owner, Eric McDonald. Eric began his mortgage lending career in 1993 with one of the country’s largest bank. He knew there was a better way and created Carolina Home Loans.
2609 Atlantic Avenue, Suite 201, Raleigh, NC, 27604
Lends in North Carolina
AccessOne Mortgage Company is a mortgage broker with operations in one state. AccessOne Mortgage Company offers numerous mortgage programs including conventional and jumbo mortgages and We can guide you to the right loan amount and best program for your needs. Based on standard lender guidelines, we'll get you a good idea of what kind of terms.
323 West Jones Street, Suite 600, Raleigh, NC, 27603
Lends in North Carolina
Local Government Federal Credit Union (LGFCU) is a not-for-profit, member-owned financial cooperative established to serve the financial needs of local government employees, elected and appointed officials, volunteers and their families. Our full range of financial services are created specifically to improve the lives of our members.
Simple Commercial Capital is a boutique capital advisory firm founded in NYC, now headquartered in Raleigh, NC. We provide bespoke lending solutions to commercial real estate owners, investors and developers nationwide. Our 26 years of experience and extensive lender relationships allow us to structure out-of-the-box debt
Connvisions Capital Group provides short term financing ranging from $50,000 to $2,500,000 when traditional capital sources are unavailable, too slow or too costly. These short-term loans are used for both non owner occupied residential and income property for the purpose of acquisitions, flipping the collateral, seasoning the property for permanen
NC Community Credit Union has provided quality financial services to help members achieve their financial goals. Your Community Credit Union is committed to serving individuals, businesses, and other organizations who live, work, worship, or attend school in Wayne County. As a credit union member, you’re also the owner!
