In 2026, the USDA loan limit for Washington in Beaufort, NC is set at $336,500, while the FHA limit for single-family homes is $472,030.
Take advantage of the Lendersa® USDA loan calculator to evaluate the best rates available today for USDA versus FHA loans. Determine your eligibility by assessing the income, credit, reserves, and documents needed. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Washington, Beaufort, 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 Washington, NC
At Lendersa®, the goal is to get you the best possible USDA or FHA loan quickly and without hassle. Select one of three starting points to find lenders that match the USDA loan programs you need.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans need no down payment, making them an attractive option for eligible borrowers.
Founded in 1902, First South Bank has served the eastern and central North Carolina market for over 100 years. We have grown to thirty-two (32) full-service branch offices from Durham to Buxton and Elizabeth City to Wilmington. Banking products and services have evolved, however, the Bank’s commitment to its community has never wavered
First Flight Federal Credit Union is a full-service financial institution that has been serving members around the world since 1952. With branches across the state, First Flight serves a broad membership including residents in many area communities and employees of a variety of industries
At Weyco Community Credit Union is to improve the standard of living and the financial well-being of our members. We have proudly been serving our members in Plymouth, North Carolina, and the surrounding communities since 1959. As a member of WCCU, you are part owner, and you have a say in how we operate.
SMC Home Finance was established in 1996 by Donald Fader after spending time in management roles with First American Savings and First South Bank. The company is licensed as a non-depository mortgage lender under the supervision and regulation of the North Carolina Commissioner of Banks.
In 1941, 19 honest hard working Carolina Telephone employees met in Tarboro, North Carolina to form Telco Credit Union. With sound financial principles and an eye on the future they put their hard earned money to work and never looked back.
Today, Telco is a full service not-for-profit financial institution serving over 10, 000 members.
It starts with commitment. The foundation of all great relationships.
We started this credit union for the Marines. To match the loyalty and commitment with which they serve us. And for over 60 years, we’ve been here. For the Marines and their community. Here for the long haul.
300 Western Blvd, Suite 400, Jacksonville, NC, 28546
Lends in North Carolina
Linear Mortgage Your financial and lifestyle goals need to be considered when purchasing a home. Our Loan Consultants will take the time to learn about you, your goals and provide you with options on what type of mortgage will work best for you and also Linear Mortgage Solution was founded on the principal of making the home buying.
We enjoy the privilege of providing an invaluable service to our clients. We are committed to doing everything we can do to earn your trust, confidence and respect. As a company, we have set high standards to ensure that we are consistently meeting and often exceeding our customers’ expectations of quality and value.
NC Community Credit Union has provided quality financial services to help members achieve their financial goals. Your Community Credit Union is committed to serving individuals, businesses, and other organizations who live, work, worship, or attend school in Wayne County. As a credit union member, you’re also the owner!
