USDA Vs. FHA your options comparison in Sunset-Beach, Brunswick County, NC

In 2025, the USDA loan limit for Sunset-Beach, located in Brunswick, NC, is $285,000, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare the current top USDA versus FHA rates, and determine the necessary income, credit, reserves, and required documents to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to decide which program in best suits your financial situation.

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2025 Loan Limits and Downpayment Requirements in Sunset-Beach, Brunswick, NC

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Sunset-Beach, NC

Lendersa® aims to secure you the best possible USDA or FHA loan efficiently and without hassle. Choose one of three starting points that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request matching results

Explaining USDA Loans in NC

A USDA home loan, supported by the Department of Agriculture and also called a USDA rural development loan, is available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

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



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