USDA LOANS IN NORTH CAROLINA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
USDA LOAN ELIGIBILITY IN NORTH CAROLINA
In North Carolina USDA Loans have flexible underwriting guidelines, the ability to use alternate trade lines, and less than perfect credit is accepted. To qualify for a USDA Loan, the home you wish to purchase must be located in an area approved by the USDA Loan program. These areas typically have populations off less than 35,000 people, so a large city like Charlotte will not qualify for a USDA Loan. However, many of the surrounding cities will have home eligible for a USDA Loan.
To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in North Carolina.
Income Limits for USDA Loans in North Carolina
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Alamac | $78,200 | $103,200 |
| Alexander | $78,200 | $103,200 |
| Alleghany | $78,200 | $103,200 |
| Anson | $78,200 | $103,200 |
| Ashe | $78,200 | $103,200 |
| Avery | $78,200 | $103,200 |
| Beaufort | $78,200 | $103,200 |
| Bertie | $78,200 | $103,200 |
| Bladen | $78,200 | $103,200 |
| Brunswick | $78,200 | $103,200 |
| Buncombe | $78,200 | $103,200 |
| Burke | $78,200 | $103,200 |
| Cabarrus | $81,300 | $107,300 |
| Caldwell | $78,200 | $103,200 |
| Camden | $84,300 | $111,300 |
| Carteret | $78,200 | $103,200 |
| Caswell | $78,200 | $103,200 |
| Catawba | $78,200 | $103,200 |
| Chatham | $84,300 | $111,300 |
| Cherokee | $78,200 | $103,200 |
| Chowan | $78,200 | $103,200 |
| Clay | $78,200 | $103,200 |
| Cleveland | $78,200 | $103,200 |
| Columbus | $78,200 | $103,200 |
| Craven | $78,200 | $103,200 |
| Cumberland | $78,200 | $103,200 |
| Currituck | $84,300 | $111,300 |
| Dare | $80,700 | $106,500 |
| Davidson | $78,200 | $103,200 |
| Davie | $78,200 | $103,200 |
| Duplin | $78,200 | $103,200 |
| Durham | $84,300 | $111,300 |
| Edgecombe | $78,200 | $103,200 |
| Forsyth | $78,200 | $103,200 |
| Franklin | $92,200 | $121,700 |
| Gaston | $81,300 | $107,300 |
| Gates | $78,200 | $103,200 |
| Graham | $78,200 | $103,200 |
| Granville | $78,200 | $103,200 |
| Greene | $78,200 | $103,200 |
| Guilford | $78,200 | $103,200 |
| Halifax | $78,200 | $103,200 |
| Harnett | $78,200 | $103,200 |
| Haywood | $78,200 | $103,200 |
| Henderson | $78,200 | $103,200 |
| Hertford | $78,200 | $103,200 |
| Hoke | $78,200 | $103,200 |
| Hyde | $78,200 | $103,200 |
| Iredell | $78,200 | $103,200 |
| Jackson | $78,200 | $103,200 |
| Johnston | $92,200 | $121,700 |
| Jones | $78,200 | $103,200 |
| Lee | $78,200 | $103,200 |
| Lenoir | $78,200 | $103,200 |
| Lincoln | $78,200 | $103,200 |
| Macon | $78,200 | $103,200 |
| Madison | $78,200 | $103,200 |
| Martin | $78,200 | $103,200 |
| McDowell | $78,200 | $103,200 |
| Mecklenburg | $81,300 | $107,300 |
| Mitchell | $78,200 | $103,200 |
| Montgomery | $78,200 | $103,200 |
| Moore | $78,200 | $103,200 |
| Nash | $78,200 | $103,200 |
| New Hanover | $78,200 | $103,200 |
| Northampton | $78,200 | $103,200 |
| Onslow | $78,200 | $103,200 |
| Orange | $84,300 | $111,300 |
| Pamlico | $78,200 | $103,200 |
| Pasquotank | $78,200 | $103,200 |
| Pender | $78,200 | $103,200 |
| Perquimans | $78,200 | $103,200 |
| Person | $82,000 | $108,250 |
| Pitt | $78,200 | $103,200 |
| Polk | $78,200 | $103,200 |
| Randolph | $78,200 | $103,200 |
| Richmond | $78,200 | $103,200 |
| Robeson | $78,200 | $103,200 |
| Rockingham | $78,200 | $103,200 |
| Rowan | $78,200 | $103,200 |
| Rutherford | $78,200 | $103,200 |
| Sampson | $78,200 | $103,200 |
| Scotland | $78,200 | $103,200 |
| Stanly | $78,200 | $103,200 |
| Stokes | $78,200 | $103,200 |
| Surry | $78,200 | $103,200 |
| Swain | $78,200 | $103,200 |
| Transylvania | $78,200 | $103,200 |
| Tyrrell | $78,200 | $103,200 |
| Union | $81,300 | $107,300 |
| Vance | $78,200 | $103,200 |
| Wake | $92,200 | $121,700 |
| Warren | $78,200 | $103,200 |
| Washington | $78,200 | $103,200 |
| Watauga | $78,200 | $103,200 |
| Wayne | $78,200 | $103,200 |
| Wilkes | $78,200 | $103,200 |
| Wilson | $78,200 | $103,200 |
| Yadkin | $78,200 | $103,200 |
| Yancey | $78,200 | $103,200 |
| York | $78,200 | $111,300 |
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