Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in North Carolina. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits.
The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
North Carolina Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Alleghany County, NC | $306,000 | $391,000 |
| Anson County, NC | $306,000 | $391,000 |
| Ashe County, NC | $306,000 | $391,000 |
| Asheville, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Avery County, NC | $306,000 | $391,000 |
| Beaufort County, NC | $306,000 | $391,000 |
| Bertie County, NC | $306,000 | $391,000 |
| Bladen County, NC | $306,000 | $391,000 |
| Brunswick County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Burlington, NC MSA | $306,000 | $391,000 |
| Camden County, NC | $306,000 | $391,000 |
| Carteret County, NC | $306,000 | $391,000 |
| Caswell County, NC | $306,000 | $391,000 |
| Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area | $323,000 | $408,000 |
| Cherokee County, NC | $306,000 | $391,000 |
| Chowan County, NC | $306,000 | $391,000 |
| Clay County, NC | $306,000 | $391,000 |
| Cleveland County, NC | $306,000 | $391,000 |
| Columbus County, NC | $306,000 | $391,000 |
| Craven County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Dare County, NC | $306,000 | $391,000 |
| Davidson County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Duplin County, NC | $306,000 | $391,000 |
| Durham-Chapel Hill, NC HUD Metro FMR Area | $340,000 | $431,000 |
| Fayetteville, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Gates County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Goldsboro, NC MSA | $306,000 | $391,000 |
| Graham County, NC | $306,000 | $391,000 |
| Granville County, NC | $306,000 | $391,000 |
| Greene County, NC | $306,000 | $391,000 |
| Greensboro-High Point, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Greenville, NC MSA | $306,000 | $391,000 |
| Halifax County, NC | $306,000 | $391,000 |
| Harnett County, NC | $306,000 | $391,000 |
| Haywood County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Hertford County, NC | $306,000 | $391,000 |
| Hickory-Lenoir-Morganton, NC MSA | $306,000 | $391,000 |
| Hoke County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Hyde County, NC | $306,000 | $391,000 |
| Iredell County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Jackson County, NC | $306,000 | $391,000 |
| Jacksonville, NC MSA | $306,000 | $391,000 |
| Jones County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Lee County, NC | $306,000 | $391,000 |
| Lenoir County, NC | $306,000 | $391,000 |
| Lincoln County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Macon County, NC | $306,000 | $391,000 |
| Martin County, NC | $306,000 | $391,000 |
| McDowell County, NC | $306,000 | $391,000 |
| Mitchell County, NC | $306,000 | $391,000 |
| Montgomery County, NC | $306,000 | $391,000 |
| Moore County, NC | $306,000 | $391,000 |
| Northampton County, NC | $306,000 | $391,000 |
| Pamlico County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Pasquotank County, NC | $306,000 | $391,000 |
| Pender County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Perquimans County, NC | $306,000 | $391,000 |
| Person County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Polk County, NC | $306,000 | $391,000 |
| Raleigh, NC MSA | $374,000 | $483,000 |
| Richmond County, NC | $306,000 | $391,000 |
| Robeson County, NC | $306,000 | $391,000 |
| Rockingham County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Rocky Mount, NC MSA | $306,000 | $391,000 |
| Rowan County, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Rutherford County, NC | $306,000 | $391,000 |
| Sampson County, NC | $306,000 | $391,000 |
| Scotland County, NC | $306,000 | $391,000 |
| Stanly County, NC | $306,000 | $391,000 |
| Surry County, NC | $306,000 | $391,000 |
| Swain County, NC | $306,000 | $391,000 |
| Transylvania County, NC | $306,000 | $391,000 |
| Tyrrell County, NC | $306,000 | $391,000 |
| Vance County, NC | $306,000 | $391,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are | $323,000 | $417,000 |
| Warren County, NC | $306,000 | $391,000 |
| Washington County, NC | $306,000 | $391,000 |
| Watauga County, NC | $306,000 | $391,000 |
| Wilkes County, NC | $306,000 | $391,000 |
| Wilmington, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Wilson County, NC | $306,000 | $391,000 |
| Winston-Salem, NC HUD Metro FMR Area | $306,000 | $391,000 |
| Yancey County, NC | $306,000 | $391,000 |
