In 2026, the USDA loan limit for Troy, in Montgomery county, NC, is $336,500. Conversely, the limit for FHA regarding a single-family home is $472,030.
With the Lendersa® USDA loan calculator, compare today’s best rates between USDA and FHA. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to help you choose the program that suits your financial situation best in .
2026 Loan Limits and Down Payment Requirements in Troy, Montgomery, 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 Troy, NC
The aim of Lendersa® is to secure for you the best USDA or FHA loan efficiently and without hassle. Choose from three starting points that will lead you to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is available in rural neighborhoods only. Unlike FHA loans requiring a 3.5% down payment minimum, USDA loans require no down payment.
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Uwharrie Bank exists for the same reasons that any bank exists. But our story is so much more than that. We’re more than a collection of services and accounts. We’re people. We’re conversations. We’re ears to listen and hearts full of helpful advice. We believe that by doing our jobs just a little bit better
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1620 Martin Luther King Jr Ave, Suite 101, Salisbury, NC, 28144
Lends in North Carolina
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211 West Lexington Avenue, Suite 101, High Point, NC, 27262
Lends in North Carolina
Tideline Financial Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of North Carolina. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers
Lion's Share Federal Credit Union is a full-service financial cooperative that was established in 1982 as Food Lion Credit Association CU. In 2007 our name changed, but our purpose remained the same; to serve only one common bond, the hard working employees and retirees of Delhaize America, along with their family members.
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Lends in North Carolina
Internal Revenue Employees Federal Credit Union (IREFCU) was chartered on February 17, 1940 with nine members and total assets of $65. Today there are 1283 members and total assets of $25 million and growing! In order to become a member of IREFCU, you must be currently employed by the IRS with a post duty inNorth or South Carolina.
