USDA Vs. FHA your options comparison in Smithfield, Johnston County, NC
In 2025, USDA loan limit in Smithfield, 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.
2025 loan limits and downpayment requirments 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%
USDA and FHA loan options in Smithfield, 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.
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?
1670 Old Country Road, Suite 220, Plainview, NY, 11803
Green River Capital Corporation, 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. Take advantage of our expertise in the residential & commercial lending industry by applying online today. You will find that the skill, professionalism, and consideration
Founded in 1924, by United States Post Office Employees in Louisville KY, the Louisville Federal Credit Union is the oldest Credit Union in the state of Kentucky. The Credit Union still exists for one reason, to serve the financial needs of its members. The Credit Union’s founding fathers recognized that a cooperative financial institution.
Ohio’s First Class Credit Union (OFCCU) is a full service financial institution established in 1932, as Cleveland Postal Employees Credit Union (CPECU). It was the idea of several postal employees who came together because they wanted to help fellow postal employees. They pooled money together to make low interest loans to coworkers.
2921 Community College Avenue, Cleveland, OH, 44115
The Ohio Educational Credit Union (OHecu) is a full-service financial institution. Our goal is to recognize and understand the unique financial needs of our individual members and fulfill those needs through a variety of diversified products. Credit Union (OHecu) is a full-service financial institution.
First Central Savings Bank has grown from a simple concept to what we are today: a vibrant, thriving, all-inclusive community bank that hasn’t wavered from its original aim of friendly, personalized service. We are committed to enriching our communities, driving local economic growth, and cultivating lasting relationships.
At FCN Bank, our people are our greatest asset. We live in the communities we serve, and we are completely dedicated to providing unequaled customer service and financial solutions.
We are truly a local bank. We’re headquartered in Brookville, with offices also in the nearby towns of Batesville, Connersville, Harrison, and Sunman.
Social Mortgage began with the belief that surrounding yourself with good company matters. Our founders understood this and require each team member to live by one simple philosophy…Do Good for our Clients and Community. Not only do we bring competitive rates and pricing, but we also bring care, understanding,
2019 Center Street, Suite 103, Cleveland, OH, 44113
Our mission is simple: to find the best mortgage for you. The one that suits your specific needs and fits your particular situation. Whether you’re purchasing a home or refinancing one you already own, we’re dedicated to finding the mortgage that will work for you. And we take pride in being a mortgage broker and NOT a lender.
