In 2026, the USDA loan limit in Winston-Salem, located in Forsyth, NC, stands at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator today to compare the top USDA versus FHA rates. Discover the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side by side, assisting you in determining which program in best fits your financial needs.
2026 Loan Limits and Down Payment Requirements in Winston-Salem, Forsyth, 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 Winston-Salem, NC
Lendersa® aims to efficiently offer you the optimal USDA or FHA loans, hassle-free. Choose from three initial paths to find lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and also called a USDA rural development loan or mortgage, is specifically available in rural areas. Unlike FHA loans needing a minimum 3.5% down payment, USDA loans require no down payment.
The Winston-Salem Federal Credit Union was incorporated in October, 1957. The Credit Union ended that year with 94 members and $2, 980 in assets. Today we are a full service credit union serving thousands of members with millions of dollars in assets.
To be the members' primary financial institution by providing reliable,
893 North Liberty Street, Suite A, Winston Salem, NC, 27101
Lends in North Carolina
Truliant Federal Credit Union was chartered in 1952 to serve the employees of Western Electric and was known as Radio Shops Credit Union. It began serving about 2, 000 members and offered credit union services in Winston-Salem, Greensboro and Burlington. Today, Truliant serves over 280, 000 members with more than 30 locations.
At ICS, we assess each transaction based on its own needs so that we can provide you with the right services for the situation. We are experienced with and equipped to handle contracts for deeds, private loans, lease purchases, lease options, purchase agreements, refinance closings, seller financing, assignments,
201 South Stratford Road, Winston Salem, NC, 27103
Lends in North Carolina
At Piedmont Federal, our Purpose is simple- We Open Doors for You. We open doors for you to purchase a new home and to build savings; we open doors for your business to obtain the financing and banking services it needs; we open doors for our communities to be better places to live. and Our Values form the foundation of this Purpose: Being Authenti
Piedmont Advantage is a member owned financial cooperative that provides quality financial products and caring solutions. At Piedmont Advantage, members always come first.
This credit union is federally insured by the NCUA.
Non-deposit investment products and services are offered through CUSO Financial Services
Emergency Responders Credit Union was chartered on April 1, 1940, to create a credit union for firefighters. The needs of its sixty-three charter members were simple. Members deposited money in a savings account so that other members could borrow money. Depositors earned excellent dividends and borrowers paid low interest rates.
1691 Westbrook Plaza Blvd., Winston Salem, NC, 27103
Lends in North Carolina
At Allegacy Federal Credit Union, we believe the answer is in the balance. It’s being wise in the choices you make. It’s pursuing wellness on every level. It’s working actively toward your goals, powered by the belief that you can get there. With humble roots in Winston-Salem and as one of the top performing credit unions in North Carolina
TCP Credit Union has been open since 1980. The credit union has assets totaling $11.67 Million and provides banking services to more than 2, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members
2201 Eastchester Drive, Suite 107, High Point, NC, 27265
Lends in North Carolina
We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.
