In 2025, the USDA loan limit in St.-Stephens, located in Catawba county, NC, is $285,000. In contrast, the FHA limit for a single-family home is set at $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates. This tool assists in determining the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA loan information side by side, enabling you to find the most suitable program in
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| Loan Type | Max Limit | Required Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to secure you the optimal USDA or FHA loan swiftly and with ease. Choose from one of three steps that lead to matching with appropriate lenders and USDA loan programs.
This type of USDA home loan is secured by the Department of Agriculture, known also as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that mandate a minimum 3.5% down payment, the USDA mortgage doesn't require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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