USDA Rural Development Loans in North Carolina

Having no money to put down should not stop you from realizing your dream of homeownership. With a government backed USDA Home Loan, traditional obstacles, such as shaky credit history or no money to put down, do not have to stand in your way. Instead, the Rural Development Loan program is helping build many of North Carolina’s smaller communities, while simultaneously making home buying easier and more affordable.

All throughout the Tar Heel State, potential homebuyers are taking advantage of the many benefits of the USDA Rural Development Loan program, including:

  • Fixed Interest Rates
  • No Maximum Loan Amount
  • Flexible Credit Guidelines for North Carolina Residents
  • No PMI and No Money Down

North Carolina Areas that Qualify for Rural Development Loans

Do not think that the phrase “Rural Development” means that you have to be a farmer to reap the rewards of a USDA loan. Instead, from the Nantahala National Forest to the Outer Banks, communities and properties all across this great state are USDA Loan Eligible.

To qualify for a Rural Development Loan in North Carolina, the property has to:
  • Be located outside of the city limits
  • Have a population of less than 20,000 people

There are a number of different types of properties that are USDA Loan eligible, so never assume that your property does not qualify. Instead, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

North Caroline USDA Loan Income Limits by County

When determining eligibility, there are a couple of restrictions placed on income and credit history. In addition to illustrating a willingness and ability to repay your home loan, your annual salary cannot exceed the income limits for set areas. These include:

County Name    

1-4 Person Households
(Guaranteed Loans)

5-8 Person Households 
(Guaranteed Loans)

BURLINGTON, NC (MSA)

ALAMANCE

$73,600

$97,150

HICKORY-LENOIR-MORGANTON, NC (MSA)

ALEXANDER

$73,600

$97,150

NON-METRO

ALLEGHANY

$73,600

$97,150

CHARLOTTE-GASTONIA-CONCORD, NC-SC (MSA)

ANSON

$76,500

$101,000

NON-METRO

ASHE

$73,600

$97,150

NON-METRO

AVERY

$73,600

$97,150

WASHINGTON, NC (MICRO)

BEAUFORT

$73,600

$97,150

NON-METRO

BERTIE

$73,600

$97,150

NON-METRO

BLADEN

$73,600

$97,150

WILMINGTON, NC (MSA)

BRUNSWICK

$73,600

$97,150

ASHEVILLE, NC (MSA)

BUNCOMBE

$73,600

$97,150

HICKORY-LENOIR-MORGANTON, NC (MSA)

BURKE

$73,600

$97,150

CHARLOTTE-GASTONIA-CONCORD, NC-SC (MSA)

CABARRUS

$76,500

$101,000

HICKORY-LENOIR-MORGANTON, NC (MSA)

CALDWELL

$73,600

$97,150

ELIZABETH CITY, NC (MICRO)

CAMDEN

$73,600

$97,150

MOREHEAD CITY, NC (MICRO)

CARTERET

$73,600

$97,150

NON-METRO

CASWELL

$73,600

$97,150

HICKORY-LENOIR-MORGANTON, NC (MSA)

CATAWBA

$73,600

$97,150

DURHAM, NC (MSA)

CHATHAM

$82,000

$108,250

NON-METRO

CHEROKEE

$73,600

$97,150

NON-METRO

CHOWAN

$73,600

$97,150

NON-METRO

CLAY

$73,600

$97,150

SHELBY, NC (MICRO)

CLEVELAND

$73,600

$97,150

NON-METRO

COLUMBUS

$73,600

$97,150

NEW BERN, NC (MICRO)

CRAVEN

$73,600

$97,150

FAYETTEVILLE, NC (MSA)

CUMBERLAND

$73,600

$97,150

VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (MSA)

CURRITUCK

$78,050

$103,050

KILL DEVIL HILLS, NC (MICRO)

DARE

$73,600

$97,150

THOMASVILLE-LEXINGTON, NC (MICRO)

DAVIDSON

$73,600

$97,150

WINSTON-SALEM, NC (MSA)

DAVIE

$73,600

$97,150

NON-METRO

DUPLIN

$73,600

$97,150

DURHAM, NC (MSA)

DURHAM

$82,000

$108,250

ROCKY MOUNT, NC (MSA)

EDGECOMBE

$73,600

$97,150

WINSTON-SALEM, NC (MSA)

FORSYTH

$73,600

$97,150

RALEIGH-CARY, NC (MSA)

FRANKLIN

$88,400

$116,700

CHARLOTTE-GASTONIA-CONCORD, NC-SC (MSA)

GASTON

$76,500

$101,000

NON-METRO

GATES

$73,600

$97,150

NON-METRO

GRAHAM

$73,600

$97,150

NON-METRO

GRANVILLE

$73,600

$97,150

GREENVILLE, NC (MSA)

GREENE

$73,600

$97,150

GREENSBORO-HIGH POINT, NC (MSA)

GUILFORD

$73,600

$97,150

ROANOKE RAPIDS, NC (MICRO)

HALIFAX

$73,600

$97,150

DUNN, NC (MICRO)

HARNETT

$73,600

$97,150

ASHEVILLE, NC (MSA)

HAYWOOD

$73,600

$97,150

ASHEVILLE, NC (MSA)

HENDERSON

$73,600

$97,150

NON-METRO

HERTFORD

$73,600

$97,150

FAYETTEVILLE, NC (MSA)

HOKE

$73,600

$97,150

NON-METRO

HYDE

$73,600

$97,150

STATESVILLE-MOORESVILLE, NC (MICRO)

IREDELL

$73,600

$97,150

NON-METRO

JACKSON

$73,600

$97,150

RALEIGH-CARY, NC (MSA)

JOHNSTON

$88,400

$116,700

NEW BERN, NC (MICRO)

JONES

$73,600

$97,150

SANFORD, NC (MICRO)

LEE

$73,600

$97,150

KINSTON, NC (MICRO)

LENOIR

$73,600

$97,150

LINCOLNTON, NC (MICRO)

LINCOLN

$73,600

$97,150

NON-METRO

MACON

$73,600

$97,150

ASHEVILLE, NC (MSA)

MADISON

$73,600

$97,150

NON-METRO

MARTIN

$73,600

$97,150

NON-METRO

MCDOWELL

$73,600

$97,150

CHARLOTTE-GASTONIA-CONCORD, NC-SC (MSA)

MECKLENBURG

$76,500

$101,000

NON-METRO

MITCHELL

$73,600

$97,150

NON-METRO

MONTGOMERY

$73,600

$97,150

SOUTHERN PINES-PINEHURST, NC (MICRO)

MOORE

$73,600

$97,150

ROCKY MOUNT, NC (MSA)

NASH

$73,600

$97,150

WILMINGTON, NC (MSA)

NEW HANOVER

$73,600

$97,150

ROANOKE RAPIDS, NC (MICRO)

NORTHAMPTON

$73,600

$97,150

JACKSONVILLE, NC (MSA)

ONSLOW

$73,600

$97,150

DURHAM, NC (MSA)

ORANGE

$82,000

$108,250

NEW BERN, NC (MICRO)

PAMLICO

$73,600

$97,150

ELIZABETH CITY, NC (MICRO)

PASQUOTANK

812,000

$97,150

WILMINGTON, NC (MSA)

PENDER

$73,600

$97,150

ELIZABETH CITY, NC (MICRO)

PERQUIMANS

$73,600

$97,150

DURHAM, NC (MSA)

PERSON

$82,000

$108,250

GREENVILLE, NC (MSA)

PITT

$73,600

$97,150

NON-METRO

POLK

$73,600

$97,150

GREENSBORO-HIGH POINT, NC (MSA)

RANDOLPH

$73,600

$97,150

ROCKINGHAM, NC (MICRO)

RICHMOND

$73,600

$97,150

LUMBERTON, NC (MICRO)

ROBESON

$73,600

$97,150

GREENSBORO-HIGH POINT, NC (MSA)

ROCKINGHAM

$73,600

$97,150

SALISBURY, NC (MICRO)

ROWAN

$73,600

$97,150

FOREST CITY, NC (MICRO)

RUTHERFORD

$73,600

$97,150

NON-METRO

SAMPSON

$73,600

$97,150

LAURINBURG, NC (MICRO)

SCOTLAND

$73,600

$97,150

ALBEMARLE, NC (MICRO)

STANLY

$73,600

$97,150

WINSTON-SALEM, NC (MSA)

STOKES

$73,600

$97,150

MOUNT AIRY, NC (MICRO)

SURRY

$73,600

$97,150

NON-METRO

SWAIN

$73,600

$97,150

BREVARD, NC (MICRO)

TRANSYLVANIA

$73,600

$97,150

NON-METRO

TYRRELL

$73,600

$97,150

CHARLOTTE-GASTONIA-CONCORD, NC-SC (MSA)

UNION

$76,500

$101,000

HENDERSON, NC (MICRO)

VANCE

$73,600

$97,150

RALEIGH-CARY, NC (MSA)

WAKE

$88,400

$116,700

NON-METRO

WARREN

$73,600

$97,150

NON-METRO

WASHINGTON

$73,600

$97,150

BOONE, NC (MICRO)

WATAUGA

$73,600

$97,150

GOLDSBORO, NC (MSA)

WAYNE

$73,600

$97,150

NORTH WILKESBORO, NC (MICRO)

WILKES

$73,600

$97,150

WILSON, NC (MICRO)

WILSON

$73,600

$97,150

WINSTON-SALEM, NC (MSA)

YADKIN

$73,600

$97,150

NON-METRO

YANCEY

$73,600

$97,150

As a North Carolina resident, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at The USDA Loan Agency are here to help. Contact us today for assistance!



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