USDA Loans in North Carolina

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 $75,650 $99,850
Alexander $75,650 $99,850
Alleghany $75,650 $99,850
Anson $78,800 $104,000
Ashe $75,650 $99,850
Avery $75,650 $99,850
Beaufort $75,650 $99,850
Bertie $75,650 $99,850
Bladen $75,650 $99,850
Brunswick $75,650 $99,850
Buncombe $75,650 $99,850
Burke $75,650 $99,850
Cabarrus $78,800 $104,000
Caldwell $75,650 $99,850
Camden $83,250 $109,900
Carteret $75,650 $99,850
Caswell $75,650 $99,850
Catawba $75,650 $99,850
Chatham $82,000 $108,250
Cherokee $75,650 $99,850
Chowan $75,650 $99,850
Clay $75,650 $99,850
Cleveland $75,650 $99,850
Columbus $75,650 $99,850
Craven $75,650 $99,850
Cumberland $75,650 $99,850
Currituck $84,300 $111,300
Dare $80,700 $106,500
Davidson $75,650 $99,850
Davie $75,650 $99,850
Duplin $75,650 $99,850
Durham $82,000 $108,250
Edgecombe $75,650 $99,850
Forsyth $75,650 $99,850
Franklin $75,650 $99,850
Gaston $78,800 $104,000
Gates $75,650 $99,850
Graham $75,650 $99,850
Granville $75,650 $99,850
Greene $75,650 $99,850
Guilford $75,650 $99,850
Halifax $75,650 $99,850
Harnett $75,650 $99,850
Haywood $75,650 $99,850
Henderson $75,650 $99,850
Hertford $75,650 $99,850
Hoke $75,650 $99,850
Hyde $75,650 $99,850
Iredell $75,650 $99,850
Jackson $75,650 $99,850
Johnston $91,850 $121,250
Jones $75,650 $99,850
Lee $75,650 $99,850
Lenoir $75,650 $99,850
Lincoln $75,650 $99,850
Macon $75,650 $99,850
Madison $75,650 $99,850
Martin $75,650 $99,850
McDowell $75,650 $99,850
Mecklenburg $78,800 $104,000
Mitchell $75,650 $99,850
Montgomery $75,650 $99,850
Moore $75,650 $99,850
Nash $75,650 $99,850
New Hanover $75,650 $99,850
Northampton $75,650 $99,850
Onslow $75,650 $99,850
Orange $82,000 $108,250
Pamlico $75,650 $99,850
Pasquotank $75,650 $99,850
Pender $75,650 $99,850
Perquimans $75,650 $99,850
Person $82,000 $108,250
Pitt $75,650 $99,850
Polk $75,650 $99,850
Randolph $75,650 $99,850
Richmond $75,650 $99,850
Robeson $75,650 $99,850
Rockingham $75,650 $99,850
Rowan $75,650 $99,850
Rutherford $75,650 $99,850
Sampson $75,650 $99,850
Scotland $75,650 $99,850
Stanly $75,650 $99,850
Stokes $75,650 $99,850
Surry $75,650 $99,850
Swain $75,650 $99,850
Transylvania $75,650 $99,850
Tyrrell $75,650 $99,850
Union $78,800 $104,000
Vance $75,650 $99,850
Wake $91,850 $121,250
Warren $75,650 $99,850
Washington $75,650 $99,850
Watauga $75,650 $99,850
Wayne $75,650 $99,850
Wilkes $75,650 $99,850
Wilson $75,650 $99,850
Yadkin $75,650 $99,850
Yancey $75,650 $99,850
York $84,300 $111,300

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