USDA Vs. FHA Pro and Con comparison in Wilkesboro, Wilkes County, NC

In 2025, the USDA loan limit for Wilkesboro, in Wilkes county, NC, is $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's USDA versus FHA rates. Assess the necessary income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Wilkesboro, Wilkes, NC

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

Exploring USDA and FHA Loan Options in Wilkesboro, NC

The goal of Lendersa® is to ensure you get the best USDA or FHA loan quickly and without hassle. Choose from three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Is a USDA Loan in NC?

A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA loans have no down payment requirement.

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



  • Ashby Financial Group, LC
  • 326 Apricot Grove, Kaysville, UT, 84037
  • Ashby Financial Group and Lewis Weaver with LW Real Estate have partnered up to provide our clients with an exceptional home buying experience! We provide all types of mortgage financing. We have Conventional, VA, FHA, USDA, Reverse Mortgage, 100% Purchase, non-conventional. We also provide retirement savings plans.
  • Coventry Mortgage
  • 610 N. Kays Drive, Suite 106, Kaysville, UT, 84037
  • Coventry Mortgage is the right choice for Mortgages. We have built our business by satisfying our customers mortgage needs one loan at a time.We rarely advertise, our business is made up of referrals from happy customers and from creating relationships with borrowers that last a life time.
  • Summit Home Loans
  • 375 N Main St, Suite 201, Kaysville, UT, 84037
  • Summit Home Loans is a residential mortgage brokerage that strives to provide the very best home financing experience in the industry. Our two main priorities are service and price, which we believe go hand in hand rather than trading one for the other. By providing a competitive and fun working environment.
  • Dollar Loan Center
  • 1789 W 7800 S, West Jordan, UT, 84088
  • This is Dollar Loan Center your Community Short-Term, personal loan provider with 57 locations across Nevada and Utah. Established in 1998, we’re the top provider of signature loans in the cash loan industry. The success of DLC signature loans is due to our competitive interest rate
  • First Fidelity Financial Services
  • 8821 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • First Fidelity Financial Services™ is owned and operated by Bryan Pettit a Certified Mortgage Planner who through tested and proven principles, delivers consistent, stable, insights and results into all aspects of residential mortgage lending, (home purchases, refinances and reverse mortgages).
  • Reverse Freedom LLC
  • 9089 S 1300 W, Suite 110, West Jordan, UT, 84088
  • Reverse Freedom Mortgage is a Utah owned and operated company headquartered in West Jordan, Utah. Our name says it all – since 2008 our only line of business is Reverse Mortgages. We are passionate about these products and about our clients who benefit from the programs we utilize to help secure a stronger retirement plan.
  • Secure Mortgage LLC
  • 8537 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.
  • 1st Source Funding, Inc
  • 8537 S Redwood Road, Suite A-3, West Jordan, UT, 84088
  • We provide quality real estate financing. With a proven track record of success in conventional and government loans, we have become one of the fastest growing full-service Mortgage Broker in the State of Utah. Our loan specialists are serious about customer service & go above & beyond to provide personal & attentive service our clients deserve.
  • Do Hard Money
  • 8846 South Redwood Road, #C212, West Jordan, UT, 84088
  • "DoHardMoney provides financing for Real Estate Investors, including new investors. Our funding options can be used for single family residence fix and flip investments, as well as home refinances. We fund loans within 5-14 business days, and we offer loans for up to 8 months with no payments for up to 6 months. "
  • NeighborWorks Salt Lake
  • 622 West 500 North, Salt Lake City, UT, 84116
  • Salt Lake Neighborhood Housing Services (NHS), doing business as NeighborWorks® Salt Lake (NWSL), builds on the strengths of neighborhoods, creating opportunities through housing, resident leadership, and youth and economic development. We work in partnership with residents, government, and businesses to build and sustain neighborhoods of choice.
  • American United FCU
  • PO Box 1030, West Jordan, UT, 84084
  • American United Federal Credit Originally founded in 1952 as the Fort Douglas VA Hospital Federal Credit Union, the credit union began serving members out of a small room inside the VA Medical Center in Salt Lake City, Utah. The primary focus of the credit union was to serve the employees of Fort Douglas and the VA Medical Center.
  • Cardinal Mortgage Services
  • 6783 South Redwood Rd, West Jordan, UT, 84084
  • Cardinal Mortgage Services mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan