FHA Vs. USDA loan program for Winterville, Pitt County, North Carolina

As of 2025, the USDA loan ceiling in Winterville, Pitt, NC is $336,500, while the FHA limit is $472,030 for single-family homes.

Utilize the Lendersa® USDA loan calculator to compare current USDA versus FHA rates. This will help you understand the requirements regarding income, credit, reserves, and documentation for qualifying. Our advanced tool allows side-by-side comparison of USDA, FHA, Conforming, and VA loans to decide which program in suits your financial situation best.

USDA and FHA Loan Choices in Winterville, NC

Lendersa® aims to promptly secure you the best USDA or FHA loan available. Start with one of three options to find lenders and get connected to USDA loan programs.

Understanding USDA Loans in NC

The USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment.

Get top 10
USDA LENDERS
customized to yout needes

(617) 625-8411 Lender's profile and map Reviews Somerville School Employees Federal Credit Union 100 Highland Avenue, Somerville, MA, 02143 Somerville School Employees Federal Credit Union is limited to the select employee group composed solely of individual employees of the city of Somerville, Massachusetts, who are paid from the payroll of the city of Somerville, Massachusetts and who work for the Somerville School Department.
(617) 547-3144 Lender's profile and map Reviews Naveo Credit Union 493 Somerville Ave, Somerville, MA, 02143 Naveo is a local not-for-profit community financial institution focused on serving its members/owners. Our mission is to assist our members with their financial needs by providing them with products and services they need in a friendly, inviting environment. As stated in our motto of “Saving Together to Lend to Each Other, ” we take member deposits
(270) 827-7808 Lender's profile and map Reviews Gibbs Aluminum Federal Credit Union 3093 Ohio Drive, Henderson, KY, 42420 Gibbs Aluminum Federal Credit Union has been open since 1967. Located at 3093 Ohio Drive in Henderson Kentucky, GAFCU provides banking to more than 1,000 members. Membership is current open to all Gibbs Die Casting team members and to immediate family of current members. The Gibbs Aluminum Federal Credit Union is a federally-chartered employee.
(888) 831-1500 Lender's profile and map Reviews Field & Main Bank 140 North Main Street, Henderson, KY, 42420 At Field & Main Bank®, we believe that banking should be built on more than transactions. It should start with relationships. We have a heart for service and an appreciation for innovative experiences. We’re changing lives and strengthening communities by approaching relationships with care, honoring our values.
(855) 938-1002 Lender's profile and map Reviews Fastbreak Mortgage Brokers 2126 E Edgewood Dr, Suite 3-4, Lakeland, FL, 33803 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
(863) 500-9990 Lender's profile and map Reviews CityState Financial 2000 E Edgewood Dr, Suite 101, Lakeland, FL, 33803 At City State Financial as a licensed Mortgage Broker use direct lenders, banks, credit unions, private lenders, and financial institutions; offering our clients more choice, and access to dozens of lenders and hundreds of mortgage products! As a result, clients benefit from the trust, confidence,
863-412-5818 Lender's profile and map Reviews USA Mortgage 1102 S. Florida Ave. Office 116 and 100B, Lakeland, FL, 33803 At USA Mortgage, a subsidiary of DAS Acquisition Company, LLC., our mission remains the unrelenting pursuit of perfection. We pride ourselves on our local lending excellence and the superior level of service that our status as a mortgage bank enables us to provide.We are the Home of Possibility!
(863) 802-1242 Lender's profile and map Reviews Compass Mortgage LLC 2015 S. Florida Avenue, Lakeland, FL, 33803 "Compass Mortgage LLC is your Lakeland and Polk County, Florida home for residential mortgages and refinancing. We offer a variety of mortgage loan products including FHA, VA, USDA and Conventional. As a locally owned and operated Broker, we are committed to help you find the right product for your needs. In fact, every borrower is different"
863-940-9062 Lender's profile and map Reviews Florida Mortgage Pros LLC 2031 E Edgewood Drive, Suite 3, Lakeland, FL, 33803 Florida Mortgage business providing Residential and Commercial mortgages. Flexible programs for flexible borrowers providing Residential and Commercial mortgages. Whether your purchasing a home or purchasing a business, we have a loan for you. FHA, VA, USDA, and conventional loan programs available. We are a true financial services company
2483823332 Lender's profile and map Reviews 365 Lending, LLC 3160 Haggerty Rd, STE P., West Bloomfield, MI, 48323 365 Lending, LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust that when we say we
(586) 524-5219 Lender's profile and map Reviews CLEAR LENDING GROUP 7270 Glascott Ave, West Bloomfield, MI, 48323 Here at Clear Lending Group, we believe in putting transparency and personal touch back into the mortgage process. From your first conversation with us, you will experience firsthand our personal approach to each situation. In addition, our expertise will allow us to tailor an option to the specifics of your file.