USDA and FHA Pro and Con in Unionville, Union County, NC

According to 2025 data, the USDA loan limit in Unionville, Union County, NC, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

To scrutinize today's leading USDA versus FHA rates, employ the Lendersa® USDA loan calculator to gauge the necessary income, credit level, reserves, and documents for qualification. With our advanced mortgage calculator, observe USDA, FHA, Conforming, and VA loans side by side to determine which option in best fits your financial profile.

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2025 Loan Limits and Downpayment Requirements in Unionville, Union County, NC

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

Exploring USDA and FHA Loan Options in Unionville, NC

The primary aim of Lendersa® is to swiftly and easily secure the best available USDA or FHA loan. Begin by choosing among three pathways that lead to the discovery of matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan is backed by the Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage. This financing is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages ask for no down payment, which can be a significant advantage for eligible rural homebuyers.

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



  • Dalco Financial Services Inc
  • 120 Stevens Avenue, Mount Vernon, NY, 10550
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet specific needs.
  • Infinity Home Lending LLC
  • 555 Friendly Street, Pontiac, MI, 48341
  • 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
  • Oakland University Credit Union
  • 2200 N Squirrel Rd, Rochester, MI, 48309
  • MSUFCU was established 84 years ago to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security.
  • Lucrative Home Loans Inc
  • 2490 Walton Boulevard, Suite 101, Rochester, MI, 48309
  • Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it’s a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our clients’ convenience, was essential to our many years of success.
  • Gem Home Loans LLC
  • 1675 West Hamlin Road, Rochester, MI, 48309
  • Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.
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  • 28 Hwy 528, Bay Springs, MS, 39422
  • Magnolia State Bank offers its customers full-service banking delivered through a variety of methods and by offering many accounts and services options. For branch, drive thru and ATM locations and times of service, see the Locations tab. We invite you to explore this website for detailed information concerning our many products and services.
  • Urbana Municipal Employees Credit Union
  • 1606 N Willow View Road, Suite 1-O, Urbana, IL, 61802
  • The mission of the Urbana Municipal Employees Credit Union is to provide a member owned financial institution to encourage thrift among its members and create a source of credit at a reasonable rate of interest. The Urbana Municipal Employees Credit Union will provide members with the opportunity of borrowing money while at the same time saving mon
  • Jet Real Estate
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  • Discover unparalleled real estate services with Jet Real Estate, led by Jamison Troutman. Specializing in residential and commercial investment properties dynamic market, we provide personalized approaches tailored to your needs. From 1-4 unit multi-family investment properties to $100 Million commercial property our expert team ensures seamless, s
  • Dante Rosa Home Loans LLC
  • 8155 Annsbury Drive, Suite 102, Shelby Township, MI, 48316
  • For over 25 years, we have been helping families across Michigan achieve their dream of home ownership We specialize in a variety of home loans, including Conventional, FHA, more loan products.Dante Rosa Home Loans, LLC is here for your home loan and mortgage needs, whether it be purchasing the home of your dreams.
  • Sound Home Mortgage Inc
  • 6441 Thorneycroft Drive, Shelby Township, MI, 48316
  • Our mission is to provide every home buyer with competitively priced residential mortgage financing. As a mortgage industry leader, we are committed to customizing your home loan so you and your family can enjoy the personal benefits of homeownership. As a responsible lending leader.