USDA Vs. FHA your options comparison 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?



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