USDA Vs. FHA Pro and Con comparison in Wesley-Chapel, Union County, NC

In 2025, the USDA loan limit for Wesley-Chapel in Union county, NC, is $285,000. The FHA ceiling for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates. Determine the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, helping you to find the most suitable program in for your financial circumstances.

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Loan Limits and Down Payment Requirements for 2025 in Wesley-Chapel, County of Union, NC

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Wesley-Chapel, NC

Lendersa® aims to quickly secure the best USDA or FHA loan for you with no hassle. You can begin using one of three approaches to match with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NC?

The USDA home loan is supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available solely in rural areas. Differing from FHA loans that necessitate at least a 3.5% down payment, USDA loans require none.

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



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