USDA Loan Vs. FHA loan for Shelby, NC [Cleveland County Rates 2023]

In 2025, USDA loan limit in Shelby, county of Cleveland, NC is $336,500 while FHA limit is $472,030 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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USDA and FHA loan options in Shelby, 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.

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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.

(205) 556-7819 365 miles Lender's profile and map Reviews Tuscaloosa VA Federal Credit Union 3701 Loop Road East, Tuscaloosa, AL, 35404 Tuscaloosa VA Federal Credit Union is a not-for-profit, member-owned, financial cooperative, committed to providing members with the financial services they need, when and where they need them — affordably, conveniently and professionally. Tuscaloosa VA Federal Credit Union was established in November 1951.
(205) 759-7317 365 miles Lender's profile and map Reviews Red Oak Credit Union 1008 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404 Red Oak Credit Union is owned by the members and managed and operated by a professional full-time staff and a 7-member board of directors. The board of directors are elected by the members and themselves are members. All deposits are insured to at least $250,000 by the National Credit Union Administration.
(334) 215-7328 365 miles Lender's profile and map Reviews Alabama Rural Electric Credit Union 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404 ARECU started with the dreams of seven in 1969, and in 2020 we are excited to be Alabama Rural Electric Credit Union, a division of Alabama ONE. The merger with Alabama ONE Credit Union in April of 2020 brings a myriad of improved products and services with the added strength of Alabama ONE's legacy of exceptional service.
(205) 759-1595 365 miles Lender's profile and map Reviews ALABAMA ONE 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404 Alabama ONE was chartered in 1951 as the TRW Federal Credit Union. The name was changed to BF Goodrich Employees Federal Credit Union on July 18, 1973, and remained that through many years of growth and prosperity. In early 2001, BF Goodrich Employees Federal Credit Union was granted the status of a Community Credit Union.
(330) 674-9015 365 miles Lender's profile and map Reviews The Commercial and Savings Bank 91 North Clay Street, Millersburg, OH, 44654 With The Commercial & Savings Bank (CSB), you gain more than convenient access to products and services that promote your financial health; you’re also invited into a network of relationships – among customers, employees, and shareholders – that contribute to the well-being and satisfaction of a community and its residents.
(412) 469-0410 366 miles Lender's profile and map Reviews Irvin Works Federal Credit Union 1301 Camp Hollow Raod, West Mifflin, PA, 15122 The Irvin Works Federal Credit Union has been serving employees of the Irvin Works Mill & their families for the past 80 years. We promise to continue to be “Your Full-Service Financial Institution: Growing and Changing for the Future of Our Members. Over the years our Credit Union happily has been serving the Steel Workers of the Mon Valley Works
(334) 886-2367 366 miles Lender's profile and map Reviews Friend Bank 220 East Lawrence Harris Highway, Slocomb, AL, 36375 Just about any bank can offer you a mortgage, a business loan, or Online Banking. We offer those services and many more. But at Friend, we offer something you can't find at just any bank: the loyalty, caring, and reliability you expect from a true friend. We're locally owned and managed, and all of our important decisions.
(855) 900-1118 366 miles Lender's profile and map Reviews Everest Lending Group LLC 4127 Brownsville Rd, Suite 203, Pittsburgh, PA, 15227 We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.
(412) 922-8272 366 miles Lender's profile and map Reviews Tara Mortgage Services LLC 554 Washington Avenue, Carnegie, PA, 15106 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
(412) 276-5379 366 miles Lender's profile and map Reviews SouthWest Communities Federal Credit Union 213 Pine St, Carnegie, PA, 15106 SouthWest Communities means members enjoy higher dividends than banks, lower loan rates, low to no fees, & more personalized service than traditional banking, while still having access to the same conveniences, including: free online banking, mobile deposit, bill pay services, free checking, CD's, Christmas & vacation.
(412) 564-5858 366 miles Lender's profile and map Reviews Princeton Financial, LLC 243 E Main St, Suite 201,, Carnegie, PA, 15106 "Since 1997, our team at Princeton has built a strong and trusted reputation as a regional mortgage lender. We serve the various lending needs of real estate professionals, builders, & individual homebuyers throughout Pennsylvania & West Virginia. mortgage lender. We serve the various lending needs of real We’re a full service mortgage lender"