USDA Vs. FHA Pro and Con comparison in Zebulon, Wake County, NC

In 2025, USDA loan limit in Zebulon, county of Wake, NC is $336,500 while FHA limit is $502,550 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Zebulon, county of Wake, NC

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $502,550 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Zebulon, NC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in North Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Bank of Hillsboro, previously known as, National Bank, is headquartered in Hillsboro, Illinois with 11 branches serving South Central Illinois. Bank of Hillsboro is locally owned by and operated. We believe our local ownership provides valuable Insight into the needs of our communities.
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  • 222 S. Riverside Plaza, Suite 380, Chicago, IL, 60606
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  • Xcapital are always competitive and in my experience, are among the lowest available. Just check out their website to see. The loan process is fast and efficient with most steps being covered in emails that I find very convenient. I recently completed a cash-out refi. with only one phone call being made through the entire process.