In 2026, the USDA loan threshold in Southern-Shores, county of Dare, NC, is $317,400, while the FHA limit for a single-family house is $396,750.
Use Lendersa®'s USDA loan calculator to compare today's leading USDA and FHA rates and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side in Alabama to assist in choosing the best solution for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $317,400 | 0% |
| FHA | $396,750 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is dedicated to helping you find the best USDA or FHA loan swiftly and without complications. Choose from three starting points to connect with lenders and USDA loan options.
A USDA home loan, secured by the Government Department of Agriculture—also called a USDA rural development loan or USDA mortgage—is available solely in rural zones. Distinct from FHA loans, needing a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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