For 2026, the USDA loan limit in Waxhaw, situated in Union county, NC, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top rates for USDA and FHA loans. Establish your eligibility by reviewing the required income, credit, reserves, and documentation. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best fit for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Waxhaw, Union, 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 Waxhaw, NC
Lendersa® is dedicated to ensuring you obtain the most suitable USDA or FHA loan efficiently and stress-free. Start with one of three paths to connect with matching lenders and relevant USDA loan programs.
The USDA home loan is backed by the government Department of Agriculture, often referred to as a USDA rural development loan or mortgage, and is specifically for rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment, making them highly appealing to eligible borrowers.
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