FHA Vs. USDA loan program for Valdese, Burke County, North Carolina

In 2025, the USDA loan limit in Valdese, located in Burke County, NC, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and determine the necessary income, credit reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you select the best program for your financial situation in .

Exploring USDA and FHA Loan Options in Valdese, NC

The goal of Lendersa® is to promptly secure the most favorable USDA or FHA loan without hassle. Choose one of three options to find matching lenders and favorable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

The USDA home loan, also known as a USDA mortgage or rural development loan, is backed by the government through the Department of Agriculture, designed for rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment, offering greater accessibility for potential homeowners.

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(202) 628-0288 Lender's profile and map Reviews Agriculture Federal Credit Union 1000 Jefferson Drive SW, Room B 10, Washington, DC, 20560 AgFed began in 1934, in Washington, DC and now serves individuals nationwide. Providing the highest quality of service is our top priority. We offer market leading mortgages, auto loans, credit cards, checking, and a wide range of other accounts with our members' interests always in mind
(202) 318-1991 Lender's profile and map Reviews EP Federal Credit Union 13th & C Streets SW, Room 215A, Washington, DC, 20228 The EP Federal Credit Union was originally chartered in 1935 by 10 employees of the Bureau of Engraving and Printing for the purpose of 'promoting thrift and providing a source of credit' for the employees there. During the late 1970's and 1980's, the credit union made several charter changes through mergers and expansions to include other organiz
(443) 865-3121 Lender's profile and map Reviews All Capital Solutions LLC 40 Raisin Tree Circle, Pikesville, MD, 20208 We are a leading direct residential mortgage broker in Maryland. Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rate. With over 15 years in the business and $400 Million in closed loans, we have the experience to help
(301) 215-7310 Lender's profile and map Reviews WH Mortgage 6500 Rock Spring Drive, Suite 204, Bethesda, MD, 20817 Washington Home Mortgage is an independent mortgage broker company, long-established and highly-respected throughout the D.C./Maryland community for over 20 years. We work with a wide variety of lenders, allowing us to obtain the best possible rates and finanical outcomes for our clients.
(443) 528-9699 Lender's profile and map Reviews Infinity Capital Finance 10411 Motor City Dr, 7th Floor, Bethesda, MD, 20817 "Infinity Capital Finance is a direct private money lender that provides financing through loans secured by non-owner occupied residential real estate. With more than 30 years of combined experience, the partners of Infinity Capital Finance have organized operations around sound business practices, integrity, efficiency,"
(205) 328-4371 Lender's profile and map Reviews ACIPCO Federal Credit Union 1501 31st Avenue North, Birmingham, AL, 35207 ACIPCO Federal Credit Union is a member-owned, not-for-profit, financial cooperative. Since 1964, we've been serving members with low-cost financial services designed to help them enjoy a better way of life. Credit Union is a member-owned, not-for-profit, financial cooperative. Since 1964, we've been serving members with low-cost financial
(205) 583-4654 Lender's profile and map Reviews Birmingham City Credit Union 708 N 17th Street, Birmingham, AL, 35203 In 1956, a group of Birmingham city employees recognized the city’s dedicated workers needed affordable, reliable financial services. On the eighth floor of City Hall, they founded what is now known as Birmingham City Credit Union. Like all credit unions, Birmingham City Credit Union is owned by its members, and every member has equal voting power.
(205) 226-6800 Lender's profile and map Reviews APCO Employees Credit Union 750 17th Street North, Birmingham, AL, 35203 APCO Employees Credit Union is a not for profit, full service financial institution. The Credit Union was formed in 1953 for the purpose of promoting thrift and providing a source of low cost credit for its members. APCO is member owned and operated and its only reason for existence is to help its members do better financially.
(205) 326-5151 Lender's profile and map Reviews Regions Bank 1900 5th Ave N, Birmingham, AL, 35203 Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.
(833) 233-0251 Lender's profile and map Reviews United Mortgage Group 2321 1st Ave North, Birmingham, AL, 35203 We are a full-service mortgage company based in Birmingham, Alabama providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout Alabama, Florida, and Texas including Conventional, VA, FHA, USDA, and Jumbo loans.
(205) 320-4000 Lender's profile and map Reviews America's First Federal Credit Union 1200 4th Ave N, Birmingham, AL, 35203 America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.
(205) 930-1213 Lender's profile and map Reviews Health Credit Union 1400 6th Avenue South, Birmingham, AL, 35233 Health Credit Union was Chartered in 1955, to serve the employees of the Jefferson County Department of Health and their immediate families. Health Credit Union is a member of the Credit Union Services Center Network. Our members may use any CUSC office throughout the nation. As of January 2015, we have 1820 members & assets of over $20.6 million.