USDA Vs. FHA your options comparison in Westport, Lincoln County, NC

For Westport in the county of Lincoln, NC, the USDA loan limit for 2025 is set at $336,500, whereas the FHA limit for a single-family residence is $472,030.

To evaluate your borrowing options today, utilize the Lendersa® USDA loan calculator for a side-by-side comparison of USDA and FHA rates. This tool will assist you in identifying necessary income, credit score, reserves, and documents required for eligibility. Our comprehensive mortgage calculator allows you to juxtapose USDA, FHA, Conforming, and VA programs, helping you make the best decision in a state like according to your financial needs.

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2025 Loan Limits and Down Payment Essentials in Westport, County of Lincoln, NC

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

Loan Options: USDA and FHA in Westport, NC

At Lendersa®, our mission is to connect you with the ideal USDA or FHA loan swiftly and without hassle. You can begin with one of three pathways leading to lenders and suitable USDA loan packages.

USDA loan request and match results by Lendersa

Understanding USDA Loans in NC

A USDA home loan is a government-backed loan by the Department of Agriculture, often termed as a USDA rural development loan or USDA mortgage, specifically available in rural areas. Contrary to FHA loans, which necessitate at least a 3.5% down payment, a USDA mortgage does not require any down payment.

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



  • Senior American Funding, Inc.
  • 2650 Camino Del Rio N, Suite 350, San Diego, CA, 92108
  • Located in Mission Valley, we have been serving San Diego County since 1990. We originate our Reverse Mortgages through some of the top Reverse Mortgage lenders in the industry that offer quality products and pricing. Our in-house staff of experienced loan processors specializes in closing your loan fast.
  • Crestline Funding Corporation
  • 2810 Camino del Rio South, San Diego, CA, 92108
  • "Everybody wants to do business with a friend. At Crestline Funding, we’re “Your friend in the mortgage business.” Here are just some of the reasons why Crestline Funding is the smart choice for consumers looking for the right home loan. Customer Service We value you. Customer service is our #1 priority."
  • Cabrillo Mortgage
  • 3110 Camino Del Rio South, Suite 311, San Diego, CA, 92108
  • cabrillomortgage.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. There are many home financing options and we'll help you make the Right Choice. We're here with you every step of the way. Cabrillo Mortgage And Realty Services received a Paycheck Protection Loan
  • Cornerstone First Mortgage
  • 2655 Camino Del Rio North, Suite 450, San Diego, CA, 92108
  • Cornerstone First Mortgage is a full-service mortgage lender headquartered in San Diego, California. Functioning as both the mortgage lender and broker, all aspects of the loan process (underwriting, funding and processing) are offered in-house. At Cornerstone First Mortgage, we are dedicated to delivering high-quality customer service
  • California Housing and Lending, Inc
  • 3456 Camino Del Rio N. Suite 206, San Diego, CA, 92108
  • California Housing and Lending we are passionate about ensuring that our clientele experience the utmost exceptional service when dealing with our outstanding personnel. We take strong pride in educating our consumers from start to finish being fully present in every step of the transaction through our full package of real estate.
  • Veterans United Home Loans of San Diego
  • 6863 Friars Road, Suite 100, San Diego, CA, 92108
  • The VA home loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This historic benefit program has guaranteed more than 24 million VA loans, helping veterans, active duty military members and their families purchase or refinance a home.
  • WindVest Corporation
  • 3131 Camino Del Rio North Suite # 310, San Diego, CA, 92108
  • Windvest was founded in 1994 as a privately held real estate investment firm focused on opportunistic commercial and residential real estate investment projects. In addition to our own investment activities we operate as a direct lender.Dr. Carlos Jimenez is the Chairman and Founder of Windvest Corporation.
  • Express Funding Mortgage Co.
  • 1237 Camino, Suite I, Del Mar, CA, 92014
  • Express Funding Mortgage Company was founded in 1998 by Brad Shoemaker with the goal of becoming the San Diego mortgage broker of choice for local San Diegans. Express Funding Mortgage specializes in residential mortgage financing to homeowners and buyers anywhere in California. We offer some of the lowest conforming.
  • Avant Capital Solutions
  • 1011 Camino, Suite 214, Del Mar, CA, 92014
  • We will find a loan that fits each borrower. Unlike big banks that have “order takers” helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available and their loan programs are one size fits all.
  • Mortgage Lending Consulting
  • 4542 Ruffner Street, Suite 240, San Diego, CA, 92111
  • Mortgage Lending Consulting Group Corp (MLCG) has experts available to assist with your mortgage needs. You will benefit from our 29 years of experience, specializing in providing Fannie Mae, FHA and VA insured mortgages. We will personally guide you through the entire process of refinancing your current home loan
  • Eagle Nest Realty & Mortgage Inc.
  • 4167 Avenida De La Plata, Suite 104, Oceanside, CA, 92056
  • Eagle Nest Realty & Mortgage Inc. is a residential real estate sales and mortgage loan company. Located in Oceanside, we represent buyers and sellers primarily in North San Diego County and broker purchase and refinance loans throughout California. mortgage company va mortgage lender camp pendleton area real estate agent.