USDA Vs. FHA Pro and Con comparison in Waynesville, Haywood County, NC

For 2025, in Waynesville, NC, within Haywood county, the USDA loan cap is $336,500 as opposed to an FHA limit of $472,030 for single homes.

With Lendersa®'s USDA loan calculator, compare today's USDA vs. FHA rates. Discover income, credit, and documentation requirements for eligibility. Our advanced mortgage tool lets you examine USDA, FHA, Conforming, and VA loans concurrently to find the best fit in for your financial needs.

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2025 Loan Limits and Down Payment Needs in Waynesville, Haywood County, NC

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

USDA and FHA Loan Choices in Waynesville, NC

Lendersa® aims to efficiently connect you with superior USDA or FHA loan options. Choose one of three steps to access matched lenders and programs.

Lendersa's USDA loan request matching results

Understanding USDA Loans in NC

USDA loans, backed by the Department of Agriculture, also known as USDA rural development or mortgage loans, are offered in rural areas only. Contrary to FHA's 3.5% down payment necessity, USDA loans require no down payment.

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



  • University Neighborhood Preservation Association
  • 562 Buckingham Avenue, Syracuse, NY, 13210
  • The University Neighborhood Preservation Association, Inc. is a non-profit 501(c)(3) tax exempt organization incorporated in 1990. UNPA primarily administers a homebuyers assistance program that helps families and individuals purchase homes in the UNPA Target Area. Promote owner-occupancy of homes in the area east of Syracuse University campus
  • Cooperative Federal Mortgages
  • 723 Westcott St, Syracuse, NY, 13210
  • Cooperative Federal is a unique combination of a traditional credit union and a non-profit community development organization. Becoming a member of Cooperative Federal is making a choice to build our local community and to advance social justice. and Cooperative Federal is deeply involved in efforts to revitalize our community.
  • American Mortgage Corporation Inc
  • 5576 Hammock Isles Drive, Naples, FL, 34119
  • American Mortgage Specialties in FHA Mortgage, Veteran Home Loan, Reverse Mortgage, Conventional Mortgage, Jumbo Mortgage, Fannie Mae, One Time Close Construction Loans, Non -Warrantable Condos, Foreign National & ITIN, Commercial Loan, Hard Money Loan, 203K & Homestyle Loan, 2nd & Vacation Homes, Investor Loans, USDA Home Loan, and Freddie Mac.
  • Florida Financial Institute
  • 1800 Seneglate Date Drive, Naples, FL, 34119
  • Florida Financial Institute Inc. was founded October 1, 1987 is celebrating more than 30 years in business this year. After moving to Florida and getting both a Florida real estate brokers license and a Florida Auctioneers license Anthony Mansolillo realized there was a gap in the finance industry, the inability to get the tougher deals done
  • Stock Financial
  • 2639 Professional Circle Suite 105, Naples, FL, 34119
  • Stock Financial is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Farmers Savings Bank
  • 305 Doty Street, Mineral Point, WI, 53565
  • In 1917 Farmers Savings Bank was established to build on our heritage and meet the needs of our community, its businesses, and citizens. We pride ourselves on commitment to our communities through reinvestment. Our interdependent relationship with our communities is essential. Maintaining profit enables us to remain competitive and strong.
  • Wallkill Valley Federal
  • 23 Wallkill Ave, Wallkill, NY, 12589
  • Wallkill Valley Federal Savings & Loan Association, the stated goals were to promote thrift and homeownership within the local community. The Association sought to meet these goals by providing a safe place for local savings deposits and by prudently lending these deposits back into the community in the form of home mortgages
  • Seneca Savings
  • 35 Oswego Street, Baldwinsville, NY, 13027
  • Seneca Savings is a community bank that feeds into a self-sustaining micro-economy by keeping funds right here in Central New York. The idea of “sustainability” is linked to a lot of our local activities these days. Funds taken in by the community are put to productive use by lending that money back into the Syracuse economic ecosystem.
  • Express Mortgage llc
  • 604 S 4th St, Van Buren, AR, 72956
  • "Express Mortgage has been serving Arklahoma proudly for over 10 years. We look forward to answering any questions you may have regarding our services. Express Mortgage offers every mortgage product imaginable ... conforming FNMA/FHLMC ... government FHA ... reverse mortgage ... and VA. Our expertise lies in outstanding customer service"
  • Infinity Commercial Lending
  • 10 Hillcrest Lane, Old Greenwich, CT, 06870
  • Infinity Commercial Lending is positioned to put businesses of all sizes in touch with the financial solutions they need to manage their next expansion, smooth out cash flow issues, or gain the capital they need to start operations smoothly. With both traditional business loans and new, innovative solutions.