In 2025, the USDA loan limit in Siler-City, situated in Chatham county, NC, stands at $349,600, while the FHA ceiling for single-family homes is $437,000.
Utilize the Lendersa® USDA loan calculator to compare the premier USDA versus FHA rates today. This will help you determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, making it easier to decide which program in aligns best with your financial needs.
Loan Limits and Down Payment Requirements for 2025 in Siler-City, Chatham County, NC
Loan Type
Loan Limit
Down Payment
USDA
$349,600
0%
FHA
$437,000
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Siler-City, NC
The aim of Lendersa® is to help you swiftly and easily secure the most advantageous USDA or FHA loan. Choose one of three pathways to connect with matching lenders and participate in USDA loan schemes.
A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, and is exclusively available in rural areas. Different from FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment whatsoever.
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