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

For 2025, the USDA loan limit in Zebulon, within Wake county, NC, is $336,500. Meanwhile, the FHA limit for a single-family home is $502,550.

The Lendersa® USDA loan calculator aids in comparing today's leading USDA vs. FHA rates and determining the income, credit score, reserves, and documents required to qualify. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side to guide your decision for the most suitable program in that fits your financial needs.

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Loan Limits and Downpayment Requirements for 2025 in Zebulon, Wake County, NC

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

Exploring USDA and FHA Loan Options in Zebulon, NC

Lendersa® aims to quickly secure the best possible USDA or FHA loan without hassle. Choose from three initial options that align you with matching lenders and USDA loan programs.

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Understanding USDA Loans in NC

A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan. Available only in rural neighborhoods, it contrasts with FHA loans which require a 3.5% minimum down payment, as USDA loans require none, enhancing their appeal.

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



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