In 2025, the USDA loan limit for Spencer, located in Rowan county, NC, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial needs in
Examine loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to get you the best USDA or FHA loan quickly and without hassle. Choose from three starting points that will connect you with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also referred to as a USDA rural development loan or USDA mortgage—is available only in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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