USDA Vs. FHA Pro and Con comparison in Stokesdale, Guilford County, NC

In 2025, the USDA loan limit in Stokesdale, in Guilford county of NC, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize Lendersa® USDA loan calculator to assess and compare the leading USDA vs. FHA rates available today. Determine the necessary income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can explore USDA, FHA, Conforming, and VA options side by side to identify which program in best aligns with your financial circumstances.

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2025 Loan Limits and Down Payment Requirements in Stokesdale, Guilford County, NC

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Stokesdale, NC

At Lendersa®, our aim is to swiftly enable you to secure the best USDA or FHA loan without hassle. Choose one of three starting paths to match with lenders and access USDA loan programs accordingly.

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What is a USDA Loan in NC?

A USDA home loan, backed by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is offered exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment, making them particularly accessible for homebuyers in eligible rural locations.

Enter your location to find out if it qualifies for USDA rural housing loan?



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