USDA Vs. FHA your options comparison in St.-Stephens, Catawba County, NC
In 2026, 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 for your particular financial background.
Loan Limits and Down Payment Requirements for 2026 in St.-Stephens, Catawba County, NC
Loan Type
Max Limit
Required Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Opportunities in St.-Stephens, NC
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.
Here at Peoples Bank, we're passionate about helping people. We strive to be exceptional and inspire others to be exceptional too. It's a promise we make to our neighbors, families, local businesses and community.
When you're passionate about people like we are, you start to see the extraordinary in everyone.
Shuford Credit Union has been open since 1967. The credit union has assets totaling $32.15 Million and provides banking services to more than 4, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
HSM Federal Credit Union has been open since 1977. The credit union has assets totaling $5.62 Million and provides banking services to more than 2, 000 members.
The credit union is a manufacturing employee-based credit union. Membership is also open to immediate family of current members.
At Foothills Mortgage & Equity We work hard to satisfy the mortgage needs and exceed the expectations of our customers. We pride ourselves on providing superior customer service and creating satisfied customers. From mortgage processing and underwriting, to loan closing and funding,
CS Credit Union was initially chartered in 1986 as MA/-COM Employees Credit Union, a spin-off from two previous credit unions, Siecor Credit Union & Superior Cable Credit Union. MA/-COM was established as the credit union for employees of family members of the forerunner of the present-day Select Employee Group, CommScope, Inc. of North Carolina.
Piedmont Credit Union is a state chartered, federally insured community credit union, serving members in Iredell County since 1981. Membership in Piedmont Credit Union requires the completion of an account card, 2 forms of identification you must live or work in Iredell county or be an immediate family member of a current member
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Carolina Farm Credit is a stockholder-owned cooperative providing financing to full and part-time farmers and agricultural-related businesses and also provides financing for the construction and purchase of homes in 54 counties through 29 branch offices. Other financial services available are life insurance, appraisal services, leasing programs
344 Rolling Hills Road, Suite 204B, Mooresville, NC, 28117
Lends in North Carolina
EDGEWATER Residential Capital offers a variety of products from the most competitive lenders to meet your individual requirements. We specialize in Conventional, Jumbo, Super Jumbo, ARMS, VA, Refinance FHA, USDA loans and we offer 100% financing on USDA and VA loans.We make the process of securing a mortgage simple and straightforward.
