USDA VS FHA in Trent-Woods, Craven County, NC

As of 2025, the USDA loan limit for Trent-Woods, within the county of Craven, NC is $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates. Determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting your choice of the most suitable program for your particular financial situation in .

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2025 Loan Limits and Down Payment Requirements in Trent-Woods, Craven, NC

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

USDA and FHA Loan Options in Trent-Woods, NC

Lendersa® aims to provide you with the most suitable USDA or FHA loan swiftly and with ease. Begin with one of three entry points, resulting in matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining a USDA Loan in NC

The USDA home loan is supported by the Department of Agriculture, known as a USDA rural development loan or mortgage. It's available strictly in rural areas and contrasts FHA loans that mandate a minimum 3.5% down payment, by requiring none.

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



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  • In 1923, First Option Bank (fka First National Bank) opened for business in Osawatomie, Kansas. We continue to be a locally-owned bank today and over the decades have expanded to the communities of LaCygne, Louisburg, Paola and Spring Hill. business in Osawatomie, Kansas. We continue to be a locally-owned bank today.
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