USDA and FHA Pro and Con in Smithfield, Johnston County, NC
In 2025, the USDA loan cap for Smithfield, situated in the county of Johnston, NC, is $336,500, whereas the FHA limit for a single-family home is $502,550.
Utilize the Lendersa® USDA loan calculator to contrast today's USDA and FHA rates. Determine the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide on the best program for your financial needs in Alabama.
Explore 2025 loan limits and downpayment requirements in Smithfield, county of Johnston, NC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$502,550
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Smithfield, NC
Lendersa® aims to secure you the best possible USDA or FHA loan swiftly and effortlessly. Choose from three starting points to connect with appropriate lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans do not require any down payment.
7719 Wood Hollow Drive, Suite 150, Austin, TX, 78731
Hardy Mortgage LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
Elite Team of individuals who will provide our customers with excellent service and an exceptional loan experience. Family and team culture is our main focus so that every member of our company knows their value. We strive to provide each individual with the necessary tools to become their very best.
13809 Research Boulevard, Suite 500, Austin, TX, 78750
Forty Acres Lending. We are a full-service mortgage company based in Austin, Texas. We specialize residential lending and offer a full array of products to serve all including First Time Home Buyers, FHA, Veterans, Jumbo, Conventional Mortgages, Rental Properties, No Incone Verification Loans, Fix-n-Flip and New Construction.
Russell Stout is the Broker for Texas Mortgage Consultants, PLLC. Since 2002 he has been originating Texas mortgages for the greater Austin area and beyond. During his career, Russell has worked as a Branch Manager, Sales Manager, VP of Operations, and owned his own mortgage company.
13740 Research Blvd, Building E, Suite 1, Austin, TX, 78750
Prodigy Mortgage, personal commitment to excellence coupled with a passion to help others is the common element in our Mortgage team. We are a local Mortgage Brokerage with a vision to deliver a competitive home loan with a remarkable experience for first to forever homebuyers. Our reputation is extremely important.
Northwoods Bank of Minnesota has an interesting history. Chartered over a century ago in the small town of Dorset MN, the bank successfully navigated through the depths of the depression, the expansion years of the 1980’s and 1990’s, a charter re-location and name change, and most recently, the “great recession”.
On January 1, 1933, a group of dedicated community leaders began providing full service banking to the Park Rapids area when the doors were opened at the Citizens National Bank of Park Rapids. One of those involved in that achievement was Harold Bishop of Bishop's Department Store.
The VATAT Credit Union was founded in 1961 when it was organized for the benefit of its members, the Ag Science Teachers of Texas. In December of 1999, the credit union expanded the membership base to include the Texas Industrial Vocational Teachers and the Family Consumer Science Teachers of Texas.
