USDA Vs. FHA your options comparison in Wendell, Wake County, NC

In 2025, the USDA loan limit for Wendell, located in the county of Wake, NC, is set at $336,500, while the FHA limit for a single-family home is $502,550.

Take advantage of Lendersa®'s USDA loan calculator to compare the most advantageous rates available today for USDA versus FHA loans. It determines the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, helping you to decide which program in best fits your unique financial circumstances.

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2025 Loan Limits and Downpayment Requirements in Wendell, County of Wake, NC

Loan Type Maximum Loan Limit Down Payment Requirement
USDA $336,500 0%
FHA $502,550 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Wendell, NC

Lendersa® aims to provide you with the optimal USDA or FHA loan efficiently and effortlessly. Initiate your process by selecting one of three pathways that align you with matching lenders and USDA loan programs appropriate for you.

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What Exactly is a USDA Loan in NC?

The USDA home loan is an option secured by the U.S. Department of Agriculture, commonly referred to as the USDA rural development loan or USDA mortgage, and its availability is restricted to rural areas. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans completely eliminate the requirement for any down payment, making them a viable choice for those qualifying in rural environments.

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



  • First Phase Financial Inc.
  • 26741 Portola Parkway, Suite E, Foothill Ranch, CA, 92610
  • "First Phase Financial Inc we only represent lenders who provide our clients the most competitive pricing in the market we also team with escrow-title companies that provide our clients the most competitive pricing in the market FIRST PHASE Financial Inc. different, unique is: our 1-on-1 Boutique Service"
  • Symbolic Holdings Group Co.
  • 22485 La Palma Avenue, Suite 205, Yorba Linda, CA, 92887
  • Symbolic Holdings Group Co. | Symbolic Properties believes that every homeowner deserves the best professional service possible. It is necessary for every client to have convenient access to their agent so that he or she feels at ease with his or her real estate transaction. To emphasize that ease
  • Premier Funding Network
  • 22800 Savi Ranch Parkway, Suite 216, Yorba Linda, CA, 92887
  • Premier Funding Network stands apart in the mortgage loan business. For many years, we have built our company on a quality of service that most other loan originators do not offer. Our integrity, ease of process and attention to detail attracts both new home buyers and those interested in Refinancing an existing loan from all over California.
  • Fast Fund Mortgage
  • 22246 La Palma Avenue, Yorba Linda, CA, 92887
  • Fast Fund Mortgage in Yorba Linda CA, our main focus is on helping clients with all their mortgage and loan needs. We’re proud to say that majority of our clients are pre approved for a loan within a day if not within a few hours. May it be a residential loan, a commercial, or a SBA business loan.
  • 1st Nationwide Lending Inc.
  • 27820 Aluetia Way, Yorba Linda, CA, 92887
  • 1st Nationwide Lending is committed to providing outstanding service and value to people looking to refinance, buy a new home, or simply sell their current home. We do loans all over the country and are widely recognized as a preeminent mortgage company in California. We are known for developing quality working relationships with our clientele,
  • Coast Funding Group Inc
  • 22885 Savi Ranch Parkway, Suite B, Yorba Linda, CA, 92887
  • At Coast Funding Group, Inc we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • VRM Lending
  • 740 Corporate Center Dr, Suite 900, Pomona, CA, 91768
  • VRM Lending LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service – putting the people we serve first. Our goal is to carefully guide you through the home loan process so that you can confidently select the right mortgage for you and your family from the many mortgage options.
  • Community Mortgage Funding LLC
  • 3201 W. Temple Avenue, Suite 120, Pomona, CA, 91768
  • CMF is mortgage banking company owned by two leading Southern California credit unions providing homebuyers & homeowners with customized home financing solutions for over 10 years. CMF has become a premier mortgage lender by delivering quality residential mortgage lending programs to satisfied customers.
  • Damien L. Grant Lending Team
  • 23120 Alicia Pkwy, Suite 100, Mission Viejo, CA, 92692
  • Expertise, commitment to customers, & competitive rates. Those are the values that define what we do.We customize the mortgage experience for each client and are there to answer any questions along the way. When you choose to work with us, we promise you and also Specializing in Mortgage Loans in the Las Vegas, Los Angeles and Orange Country area.
  • Mortgage Link 1, Inc
  • 28570 Marguerite Pkwy, Suite 208, Mission Viejo, CA, 92692
  • We pride ourselves on exceeding our customer's expectations in finding the best loan product for them, A tailored home loan that's right for you. Everyone is unique: Loans are not cookie cutter products, a large amount of guidance for simple or more complex financing packages require skill, we realize you are unique