USDA and FHA Pro and Con in Whiteville, Columbus County, NC

In 2025, the USDA loan limit for Whiteville, in Columbus county of NC, is $336,500, whereas the FHA cap for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the leading rates of USDA vs. FHA and determine the applicable income, credit score, reserves, and documentation needed for qualification. Through our comprehensive mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Whiteville, Columbus County, NC

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

USDA and FHA Loan Alternatives in Whiteville, NC

Lendersa® is dedicated to securing you the best USDA or FHA loan quickly and without hassle. Choose from three starting points that facilitate lender matching and provide access to USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NC

A USDA home loan, also termed a USDA rural development loan or USDA mortgage, is a government-backed mortgage offered in rural areas only. It contrasts with FHA loans which require a down payment of at least 3.5%, because USDA loans require no down payment, enhancing its appeal in eligible rural regions.

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



  • Cleveland Mortgage Corporation
  • 16000 Pearl Rd, Suite 214, Strongsville, OH, 44136
  • At Cleveland Mortgage Corporation, our approach to mortgage lending is quite different from our competition. It is important to us that our customers are educated on all aspects of the loan and the loan process. We do this in a relaxed, stress-free environment, and we do it according to your schedule.
  • Soviero Capital LLC
  • 1025 West Indiantown Road, Suite 106, Jupiter, FL, 33458
  • We are Direct Hard Money Lender in Palm Beach County in South Florida. We will lend on all asset types for business purposes. We provide a free online application that takes less than 3 minutes to fill out. We are a small family-owned business which has been operating for over 40 years.
  • TLOA Mortgage
  • 601 Heritage Drive, Jupiter, FL, 33458
  • TLOA offers financing to real estate investors and is considered one of the best private lenders in the industry. Our management team has over 15 years of extensive underwriting knowledge in over 20 States. In addition, the team has originated loans of varying size, loan structure, purpose, and collateral types.
  • All Mortgage Loans
  • 300 4th Street, Jupiter, FL, 33458
  • We do All Mortgage Loans in Florida- Purchase, Refi, Cashout, Construction, VA, low credit, stated income, no tax returns, bank statement program, Self-Employed If we can't get it done no one can. In business for 25 years - we work for you to get you the best rates possible. You are buying a home or refinancing, we can help you realize your dream
  • Total Mortgage Services, LLC
  • 1928 Commerce Ln #2, Jupiter, FL, 33458
  • Total Mortgage Services is an industry-leading direct mortgage lender and mortgage broker, having funded over $10 billion in mortgage loans since 1997.Total Mortgage offers a variety of products and programs including fixed-rate loans, adjustable-rate loans (ARMs), jumbo loans, FHA mortgages and more.
  • Fairway Independent Mortgage Corporation
  • 601 University Blvd, Suite 104, Jupiter, FL, 33458
  • We are a team of mortgage professionals, who are up to today’s complex mortgage challenges. Buying a home is the realization of a dream and it takes hard work to achieve this dream. You deserve a team of mortgage professionals working just as hard for you. With 50 years of combined experience
  • Capital Lending
  • 8417 Bergeline Avenue, North Bergen, NJ, 07047
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, financing tools & best of all quality service & individual attention.Capital Lending Corp. has committed itself to serve the underserved-from people in urban & ethnic minority communities that many financial institutions overlook.
  • GSL Savings Bank
  • 6823 Bergenline Ave, Guttenberg, NJ, 07093
  • GSL Savings Bank was founded in 1907 & has been serving the local community ever since. We offer individuals & businesses a safe & easily accessible way to bank, right in their own backyard.With more than 100 years in the financial industry, GSL Bank has the knowledge & the reputation to help people from all walks of life achieve their goals.