USDA and FHA Pro and Con in Selma, Johnston County, NC

In 2025, USDA loan limit in Selma, county of Johnston, NC is $336,500 while FHA limit is $502,550 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 Selma, county of Johnston, 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 options in Selma, 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?



  • Creative Capital Inc
  • 6938 Tranquility Lane, Fennville, MI, 49408
  • Creative Capital Inc., an independently owned mortgage broker was established in 1997 in Royal Oak, MI out of a growing demand for procuring not only out-of-the-box lending options to borrowers, but also low cost, low interest conventional mortgages. The business was built on personal and professional integrity providing a broad spectrum.
  • Alpine Funding Corp.
  • 6443 Dorsay Ct, Delray Beach, FL, 33484
  • The Alpine Funding Corp. team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • Gelt Financial
  • 5300 W Atlantic Ave, Suite 205, Delray Beach, FL, 33484
  • Gelt Financial, LLC ("Gelt"​) is a non bank direct commercial lender satisfying its clients financial needs and goals since 1989. Gelt's robust commercial product offerings are available across the country to US Citizens and Foreign Nationals. We focus on loans between $100,000 and up.
  • Bank of Ripley
  • 134 N. Jefferson St., Ripley, TN, 38063
  • The Bank of Ripley is committed to being a friendly, locally owned community bank that consistently and profitably delivers high quality personal service and financial products to meet the needs of, and be recognized as a leader by, the communities we serve for the benefit of those who make our existence possible
  • First Bank
  • 300 E. Sugarland Highway, Clewiston, FL, 33440
  • First Bank is a branch office of First Bank. They provide the following services: Full Service Office Location and are located at 300 East Sugarland Highway in Clewiston Florida. Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website and additional banking information.
  • Everglades Federal Credit Union
  • 1099 W. Ventura Ave, Clewiston, FL, 33440
  • Everglades Federal Credit Union is a member owned financial cooperative organized in order to provide for the financial needs of its owner members, both depositors and borrowers.Everglades Federal Credit Union believes the credit union should be administered to maintain a sound financial base, to promote thrift among its members.
  • Tri-Lakes Federal Credit Union
  • 197 Broadway, Saranac Lake, NY, 12983
  • Our Mission is to Consistently deliver prompt, courteous service to our members, achieve superior, long-term overall value for our members and create an environment that promotes and rewards the development and positive contribution of our employees. The credit union’s mission shall be accomplished by keeping in mind a set of core values.
  • FNB Oxford Bank
  • 101 Courthouse Square, Oxford, MS, 38655
  • FNB Oxford Bank has over 65 employees who are a crucial part of this community. Not only do they contribute to the economic well-being of Lafayette County by providing loans and other banking services, they also contribute to the quality of life in Oxford and Lafayette County through civic and charitable activities.
  • Oxford University Bank
  • 1500 University Avenue, Oxford, MS, 38655
  • We are your hometown, home-owned Bank. We're dedicated to providing the citizens of Lafayette and Pontotoc Counties and the surrounding area with a level of personal services that's hard to find in this modern era of megabanks and automated financial services. Oxford University Bank is a locally owned and operated community bank.
  • Mechanics Mortgage
  • 2601 Jackson Ave W, Oxford, MS, 38655
  • Mechanics Mortgage opened in December of 1996 to provide our community with specialized service in permanent residential financing. Our primary service areas are Oxford, Water Valley and the surrounding communities. We provide counseling and pre-qualification to those interested in purchasing or building a new home,
  • American Exchange Mortgage LLC
  • 16805 Newark Bay Rd, Delray Beach, FL, 33446
  • Since 1994, I have been involved in various leadership roles throughout the real estate and financing arenas. This includes serving as Director of American Exchange Mortgage Bankers starting in 1999. During this time, I was concentrated on the company’s business development, acquisition of multifamily projects,
  • HP Mortgage LLC
  • 7495 W Atlantic Ave Suite 200-293, Delray Beach, FL, 33446
  • HP Mortgage LLC offer NO-INCOME VERIFIED LOANS! If you are self employed or an investor, we are here to serve you--no tax returns necessary. We also offer Conventional 1% down, FHA down to 560 FICO, Jumbo loans down to 500 FICO, and various USDA and VA programs. We will always be honest