USDA Vs. FHA your options comparison in Wilmington, New Hanover County, NC

In 2026, within Wilmington, New Hanover, NC, the USDA loan limit is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates and clarify the necessary income, credit score, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the best option for your financial situation in .

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2026 Loan Limits and Down Payment Criteria in Wilmington, New Hanover, NC

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

Discovering USDA and FHA Loan Options in Wilmington, NC

The aim of Lendersa® is to connect you quickly with the most suitable USDA or FHA loans, without complications. Begin your search from one of three starting points to find matching lenders and USDA loan programs.

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Understanding the USDA Loan in NC

A USDA home loan, guaranteed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment.

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



  • Lyon Lending
  • 28202 Cabot Road, Suite 378, Laguna Niguel, CA, 92677
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Mortgage Grader
  • 23807 Aliso Creek Road, Suite 210, Laguna Niguel, CA, 92677
  • Mortgage Grader is an excellent source to find and fund your next home loan. Our President, Jeff Lazerson is also a Sunday columnist for the Orange County Register and has been educating the public for many years regarding the Mortgage Field. Jeff, along with his expert team of friendly Loan Officers

  • Purpose Funding Inc.
  • 27651 La Paz Road, Suite 200, Laguna Niguel, CA, 92677
  • Purpose Funding is a premium mortgage brokerage dedicated to providing affordable home loans for customers with various types of credit history. Whether you want a fixed rate mortgage, adjustable rate mortgage, a home equity loan, refinance, purchase, investment or debt consolidation, we have a loan for you with the best & lowest rates available.

  • Hayward Capital, Inc.
  • 28202 Cabot Road, Suite 300, Laguna Niguel, CA, 92677
  • Founded in 1989, Hayward Capital grew from a builder-based mortgage company to a consumer friendly mortgage operation. This family owned and operated company has funded over a billion dollars in loans. Since our clients only deal with principals of the company Hayward Capital is able to offer our clients unbeatable interest rates

  • True Point Lending
  • 28202 Cabot Road, Suite 300, Laguna Niguel, CA, 92677
  • If you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • JDR Mortgage
  • 30025 Alicia Pkwy, Suite 557, Laguna Niguel, CA, 92677
  • Our mission is to serve our customers with honesty, integrity & 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.

  • Private Loan Management
  • 30262 Crown Valley Pkwy B884, Laguna Niguel, CA, 92677
  • Private Loan Management started a loan company together in 1999 and it blossomed into something we could never have imagined. With that said, our experience is 2nd to none. With over 1.5 Billion in loan closings and over 5,000 units, we have certainly done our fair share of underwriting and investing.

  • Ecom Mortgage, Inc.
  • 1055 Park View Drive, Suite 355, Covina, CA, 91724
  • At Ecom Mortgage, Inc., we believe that a strong foundation is key. That's why our loan process has been continuously refined to be as simple and straightforward as possible. Whether you prefer the latest technology and software or good old-fashioned paper-and-pen, we aim to provide personalized service that exceeds our customers expectations.

  • Churchgate Mortgage
  • 1338 Center Court Drive, Suite 111, Covina, CA, 91724
  • Churchgate Mortgage is a premier California-based mortgage company located in Covina, CA. Churchgate Mortgage brings many years of experience to every loan we originate, and we have earned a successful reputation for our extremely client-oriented philosophy. We take pride in providing our customers with excellent service and low rates.

  • Calderon, Jaime Alejandro
  • 1272 Center Court, Suite 206, Covina, CA, 91724
  • Our 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.

  • PACIFIC HORIZON LENDING
  • 917 North Grand Avenue, Covina, CA, 91724
  • At Pacific Horizon Lending, we pride ourselves on our role in the mortgage industry. As a Full-Service Direct Lender and Mortgage Broker, we operate a team of experienced professionals who know how to handle the complex details involved in mortgage lending. From purchasing to refinancing, we do it all.