USDA Vs. FHA Pro and Con comparison in Wingate, Union County, NC

In 2025, within Wingate, Union County, NC, the USDA loan limit is $336,500, whereas the FHA limit is set at $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, and assess the income, credit, reserves, and documents needed for qualification. This advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, helping you identify which program suits your particular financial situation in .

Explore loan offers from 100 different lenders

Loan Limits and Downpayment Requirements for 2025 in Wingate, Union County, NC

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

USDA and FHA Loan Options in Wingate, NC

The aim of Lendersa® is to ensure you swiftly receive the best USDA or FHA loan without complication. Opt for one of three starting points to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in NC

A USDA home loan, also known as a USDA mortgage or USDA rural development loan, is provided through the government’s Department of Agriculture and is accessible only in rural neighborhoods. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans don't require any down payment.

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



  • ePrivate Lending
  • 200 NE Missouri Rd, Suite 200, Lees Summit, MO, 64086
  • ePrivate Lending. We are a private lender who provides financing to Real Estate Investors for single and multi-family investment property. What makes us different is we are direct with no middlemen involved. This gives our investors the highest level of service, lowest rates and costs available in private lending
  • Grinnell State Bank
  • 814 4th Avenue, Grinnell, IA, 50112
  • Grinnell State Bank (member FDIC) is a locally owned, community bank with branches in Grinnell, Johnston, Marengo & Polk City. Grinnell State Bank is a full-service financial institution & its deposits are insured by the Federal Deposit Insurance Corporation. At Grinnell State Bank, we lend money for a diverse range of commercial.
  • Central Wisconsin Credit Union
  • 1301 Post Road, Plover, WI, 54467
  • Central Wisconsin Credit Union was created as the result of a merger between Consolidated Community Credit Union and Wisconsin River Credit Union. While the name, location and look of the credit union is relatively new, CWCU is endowed by a rich heritage, combining over 125 years
  • Lakeside Bank LA
  • 4735 Nelson Rd., Lake Charles, LA, 70606
  • Lakeside is committed to working for our community by offering consumers and businesses a banking experience based on long-term relationships, financial experience and our long-standing commitment to Southwest Louisiana. We combine personal service with the latest technology to deliver the most current products and services to our customers.
  • Cedar Valley Bank & Trust
  • 321 Main Street, La Porte City, IA, 50651
  • Cedar Valley Bank & Trust is proud to be a locally owned full-service community bank. Our highest priority is serving and supporting the communities we serve. We look for individuals with a passion for community banking who will put the needs of our customers above everything else.
  • Access of Louisiana FCU
  • 519 Kirby Street, Lake Charles, LA, 70601
  • Access of Louisiana Federal Credit Union is a full service, not-for profit financial cooperative with over 5100 members and $27, 000, 000 in assets founded in 1955 by employees of the Olin Corporation as Olin Employees LC Federal Credit Union. Over the years we have expanded our field-of–membership to include many other diverse groups.
  • Calcasieu Parish Employee Federal Credit Union
  • 1011 Lakeshore Drive, Suite 303, Lake Charles, LA, 70601
  • The first Credit Union was created in 1849 in Germany by a group of farmers that pooled their money together in an effort to receive better rates than the lenders of that time. These people created the foundation for individual creditability such as “one member, one vote” which we hear about in many important instances today.
  • First Federal Bank of Louisiana
  • 1135 Lakeshore Drive, Lake Charles, LA, 70601
  • First Federal Bank of Louisiana has been your community bank since 1949. We, as First Federal Bank employees, are not only committed to giving you the best products and customer service, but to giving back to the communities where we live! We do not allow graphic, obscene, explicit or racial comments
  • Lake Charles Finance & Mortgage
  • 313 Alamo Street, Suite B, Lake Charles, LA, 70601
  • "Here at Lake Charles Finance & Mortgage we offer personal loans from $200 to $1, 500. All you gotta do is fill out our online application, Once you apply, we run a quick credit check. If you are up to date on all your bills, you've been approved and we'll contact you shortly! We do not credit score, we just check your credit."