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$272,000$340,000
Anson County, NC$272,000$340,000
Ashe County, NC$272,000$340,000
Asheville, NC HUD Metro FMR Area$272,000$340,000
Avery County, NC$272,000$340,000
Beaufort County, NC$272,000$340,000
Bertie County, NC$272,000$340,000
Bladen County, NC$272,000$340,000
Brunswick County, NC HUD Metro FMR Area$272,000$340,000
Burlington, NC MSA$272,000$340,000
Camden County, NC$289,000$374,000
Carteret County, NC$272,000$340,000
Caswell County, NC$272,000$340,000
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area$272,000$357,000
Cherokee County, NC$272,000$340,000
Chowan County, NC$272,000$340,000
Clay County, NC$272,000$340,000
Cleveland County, NC$272,000$340,000
Columbus County, NC$272,000$340,000
Craven County, NC HUD Metro FMR Area$272,000$340,000
Dare County, NC$289,000$374,000
Davidson County, NC HUD Metro FMR Area$272,000$340,000
Duplin County, NC$272,000$340,000
Durham-Chapel Hill, NC HUD Metro FMR Area$289,000$374,000
Fayetteville, NC HUD Metro FMR Area$272,000$340,000
Gates County, NC HUD Metro FMR Area$272,000$340,000
Goldsboro, NC MSA$272,000$340,000
Graham County, NC$272,000$340,000
Granville County, NC$272,000$340,000
Greene County, NC$272,000$340,000
Greensboro-High Point, NC HUD Metro FMR Area$272,000$340,000
Greenville, NC MSA$272,000$340,000
Halifax County, NC$272,000$340,000
Harnett County, NC$272,000$340,000
Haywood County, NC HUD Metro FMR Area$272,000$340,000
Hertford County, NC$272,000$340,000
Hickory-Lenoir-Morganton, NC MSA$272,000$340,000
Hoke County, NC HUD Metro FMR Area$272,000$340,000
Hyde County, NC$272,000$340,000
Iredell County, NC HUD Metro FMR Area$272,000$340,000
Jackson County, NC$272,000$340,000
Jacksonville, NC MSA$272,000$340,000
Jones County, NC HUD Metro FMR Area$272,000$340,000
Lee County, NC$272,000$340,000
Lenoir County, NC$272,000$340,000
Lincoln County, NC HUD Metro FMR Area$272,000$340,000
Macon County, NC$272,000$340,000
Martin County, NC$272,000$340,000
McDowell County, NC$272,000$340,000
Mitchell County, NC$272,000$340,000
Montgomery County, NC$272,000$340,000
Moore County, NC$272,000$340,000
Northampton County, NC$272,000$340,000
Pamlico County, NC HUD Metro FMR Area$272,000$340,000
Pasquotank County, NC$272,000$340,000
Pender County, NC HUD Metro FMR Area$272,000$340,000
Perquimans County, NC$272,000$340,000
Person County, NC HUD Metro FMR Area$272,000$340,000
Polk County, NC$272,000$340,000
Raleigh, NC MSA$323,000$417,000
Richmond County, NC$272,000$340,000
Robeson County, NC$272,000$340,000
Rockingham County, NC HUD Metro FMR Area$272,000$340,000
Rocky Mount, NC MSA$272,000$340,000
Rowan County, NC HUD Metro FMR Area$272,000$340,000
Rutherford County, NC$272,000$340,000
Sampson County, NC$272,000$340,000
Scotland County, NC$272,000$340,000
Stanly County, NC$272,000$340,000
Surry County, NC$272,000$340,000
Swain County, NC$272,000$340,000
Transylvania County, NC$272,000$340,000
Tyrrell County, NC$272,000$340,000
Vance County, NC$272,000$340,000
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are$289,000$391,000
Warren County, NC$272,000$340,000
Washington County, NC$272,000$340,000
Watauga County, NC$272,000$340,000
Wilkes County, NC$272,000$340,000
Wilmington, NC HUD Metro FMR Area$272,000$340,000
Wilson County, NC$272,000$340,000
Winston-Salem, NC HUD Metro FMR Area$272,000$340,000
Yancey County, NC$272,000$340,000
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