North Carolina USDA Direct Loans are 100% financing mortgages available for low income applicants to purchase homes in rural areas. Unlike Guaranteed USDA Loans, Direct Loan applicants must have low or very low income to qualify in NC.

View All USDA Direct Loan Limits (low income only)
View USDA Direct Loan Income Limits
 
(low income only)
View All USDA Loan Limits (low or moderate income)
View All USDA Loan Income Limits 
(low or moderate income)
USDA Loan Programs
USDA Loan Requirements

Direct Loans are not as popular as USDA Guaranteed Loans, which accommodate a broader range of borrower qualifications. The USDA sets specific maximum loan limits for Direct Loans in North Carolina. Search for maximum loan limits for your area below.

North Carolina USDA Direct Loan Limits

Area
Direct Loan Limit
Alamance $220,532
Alexander $220,532
Alleghany $220,532
Anson $220,532
Ashe $220,532
Avery $220,532
Beaufort $220,532
Bertie $220,532
Bladen $220,532
Brunswick $220,532
Buncombe $220,532
Burke $220,532
Cabarrus $224,480
Caldwell $220,532
Camden $508,920
Carteret $220,532
Caswell $220,532
Catawba $220,532
Chatham $287,960
Cherokee $220,532
Chowan $220,532
Clay $220,532
Cleveland $220,532
Columbus $220,532
Craven $220,532
Cumberland $220,532
Currituck $367,080
Dare $312,800
Davidson $220,532
Davie $220,532
Duplin $220,532
Durham $287,960
Edgecombe $220,532
Forsyth $220,532
Franklin $240,120
Gaston $224,480
Gates $367,080
Graham $220,532
Granville $220,532
Greene $220,532
Guilford $220,532
Halifax $220,532
Harnett $220,532
Haywood $220,532
Henderson $220,532
Hertford $220,532
Hoke $220,532
Hyde $386,400
Iredell $224,480
Jackson $220,532
Johnston $240,120
Jones $220,532
Lee $220,532
Lenoir $220,532
Lincoln $224,480
Macon $220,532
Madison $220,532
Martin $220,532
McDowell $220,532
Mecklenburg $224,480
Mitchell $220,532
Montgomery $220,532
Moore $220,532
Nash $220,532
New Hanover $220,532
Northampton $220,532
Onslow $220,532
Orange $287,960
Pamlico $220,532
Pasquotank $508,920
Pender $220,532
Perquimans $508,920
Person $287,960
Pitt $220,532
Polk $220,532
Randolph $220,532
Richmond $220,532
Robeson $220,532
Rockingham $220,532
Rowan $224,480
Rutherford $220,532
Sampson $220,532
Scotland $220,532
Stanly $220,532
Stokes $220,532
Surry $220,532
Swain $220,532
Transylvania $220,532
Tyrrell $312,800
Union $224,480
Vance $220,532
Wake $240,120
Warren $220,532
Washington $220,532
Watauga $220,532
Wayne $220,532
Wilkes $220,532
Wilson $220,532
Yadkin $220,532
Yancey $220,532

More USDA Direct Loan Limits (Low Income)

Maximum Loan Amounts
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