FHA Vs. USDA loan program for Selma, Johnston County, North Carolina

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.

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.

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Understanding the USDA Loan in NC

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.

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(919) 616-5713 Lender's profile and map Reviews Ace Mortgage Group LLC 1780 Heritage Center Drive, Suite 103, Wake Forest, NC, 27587 At Ace Mortgage Group 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 and your family from the many mortgage options.
(919) 245-5140 Lender's profile and map Reviews Best Mortgage Lending Corp 1143-C Executive Circle, Suite 103, Cary, NC, 27511 Best Mortgage Lending are seasoned veteran professionals providing competent advice, guidance and strategies to our customers. The most important ingredients you’ll find in working with us are: Honesty, Transparency and Fastness. We are independent mortgage professionals, licensed in the State of Florida and North Carolina with over 20+ years
(919) 562-0207 Lender's profile and map Reviews Prestige Lending, Inc. 123 Capcom Avenue, Suite 101, Wake Forest, NC, 27587 Prestige Lending can offer different programs for the self employed entrepreneurs as well as those that may want to build their own home. We offer product for clients with good credit (Traditional A Paper) as well as products for clients that due to challenges in their lives may not have the best credit.
(919) 447-3377 Lender's profile and map Reviews Miller Lending Group, LLC 1135 Kildaire Farm Rd., Cary, NC, 27511 At Miller Lending Group we are always on the lookout for lending partners that offer low interest rates AND an underwriting process that is as simple as possible. That means we offer our customers very competitive interest rates and a process that doesn't make you feel like you've been hit by a truck! When rates move down.
(919) 853-7700 Lender's profile and map Reviews Grayton Mortgage, Inc 120 Kilmayne Dr, Suite 200, Cary, NC, 27511 Grayton Mortgage (NMLS 1104545) is a mortgage bank lending in California, New Jersey, and North Carolina. Additionally, Grayton Mortgage is a mortgage broker in New York. Grayton Mortgage intends to redefine mortgage lending by providing unparalleled customer service and strong support to the company's originators.
(919) 414-4430 Lender's profile and map Reviews Amy Bonis Mortgage Team 10224 Durant Road, Suite 207, Raleigh, NC, 27614 Amy is a very passionate woman who takes the business of mortgage banking and helping people realize their dream of financial independence very seriously. She started in mortgage banking in Los Angeles in the early 1990’s and her business has bloomed. She is now one of the top loan officers in the country NMLS# 106455.
(323) 646-8367 Lender's profile and map Reviews Wolff Financial Inc 2508 Reliance Avenue, Apex, NC, 27539 We work with you to find the right program & secure low market rates to make sure you are paying the lowest payment each month. We keep you informed and return all emails & calls promptly so that you never have to wonder what is going on with your loan. We work closely with you through the process to meet all deadlines.
(919) 552-7878 Lender's profile and map Reviews Fidelity Bank NC 1304 North Main Street, Fuquay Varina, NC, 27526 Fidelity Bank is a full-service financial institution with assets of approximately $3.4 billion headquartered in Fuquay-Varina, North Carolina. The Bank owns and operates 58 branches throughout North Carolina, Virginia, and South Carolina. For over 100 years, Fidelity Bank's vision has remained the same; to be the independent, sound.
(919) 412-5375 Lender's profile and map Reviews 7 Locks Lending LLC 1750 Northwest Maynard Road, Suite 101, Cary, NC, 27513 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients that meet their overall financial goals while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to provide a positive experience with the process centered around communication
(919) 463-7888 Lender's profile and map Reviews Tarheel Mortgage 1014 High House Road, Suite 100, Cary, NC, 27513 At Tarheel Mortgage we can match clients with home loans and refinancing products from more than 20 lenders at wholesale rates. Plus, on most loan programs you'll never pay us a fee. Whether you want to purchase a home for no-money down, no points, no PMI or need to qualify with past credit issues,
(919) 244-5656 Lender's profile and map Reviews Pathway Mortgage Group 140 Preston Executive Dr, Suite 205D, Cary, NC, 27513 Pathway Mortgage Group is a nationally recognized, locally owned independent mortgage broker in Cary, NC, serving North Carolina consumers exclusively. Pathway is proud to offer very competitive rates from the best wholesale lenders in the country. Competition, combined with our elite experience and execution.
(919) 577-2200 Lender's profile and map Reviews Blue Sky Mortgage Services of Nc 330 Raleigh Street, Unit 2, Holly Springs, NC, 27540 Blue Sky Mortgage Services of N.C, Inc. is a purposely small mortgage broker company dedicated to providing personalized service for each and every one of our clients. Our company is a full service broker providing a wide variety of loan products from a large base of wholesale lenders.