For 2026, the USDA loan cap in Weddington, located in Union, NC, amounts to $336,500. In contrast, the FHA cap for a single-family residence is set at $472,030.
By using Lendersa®'s USDA loan calculator, you can effectively compare today’s USDA and FHA rates. This will help you assess the requirements for income, credit, reserves, and necessary documentation for eligibility. Our state-of-the-art mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the optimal program in
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| Type of Loan | Limit on Loan | Required Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to attain the most advantageous USDA or FHA loan for you quickly and with minimal inconvenience. Choose from three starting points to be matched with suitable lenders and USDA loan programs.
The USDA home loan is a government-guaranteed mortgage through the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It is exclusively available in rural areas, whereas FHA loans require a minimum down payment of 3.5%, the USDA mortgage demands no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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