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 qualify for USDA Loans. 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 Carolina USDA Loan Income Limits by County

When determining USDA 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:

Quick Scroll
STATE:NORTH CAROLINA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Hoke County NC HUD Metro FMR Area
VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
Apply Now LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Goldsboro NC MSA
VERY LOW INCOME 18750 21400 24100 26750 28900 31050 33200 35350
Apply Now LOW INCOME 29950 34250 38500 42800 46200 49650 53050 56500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rockingham County NC HUD Metro FMR Area
VERY LOW INCOME 17850 20400 22950 25500 27550 29600 31650 33700
Apply Now LOW INCOME 28550 32650 36700 40800 44050 47350 50600 53850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greenville NC HUD Metro FMR Area
VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
Apply Now LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hickory-Lenoir-Morganton NC MSA
VERY LOW INCOME 18700 21350 24000 26650 28800 30950 33050 35200
Apply Now LOW INCOME 29850 34100 38400 42650 46050 49450 52900 56300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jacksonville NC MSA
VERY LOW INCOME 17950 20500 23050 25600 27650 29700 31750 33800
Apply Now LOW INCOME 28650 32750 36850 40950 44250 47500 50800 54050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Raleigh-Cary NC MSA
VERY LOW INCOME 28000 32000 36000 39950 43150 46350 49550 52750
Apply Now LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Rocky Mount NC MSA
VERY LOW INCOME 18450 21100 23750 26350 28500 30600 32700 34800
Apply Now LOW INCOME 29500 33700 37950 42150 45500 48900 52250 55650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Virginia Beach-Norfolk-Newport News VA-NC
VERY LOW INCOME 25700 29350 33000 36650 39600 42550 45450 48400
Apply Now LOW INCOME 41050 46900 52800 58650 63350 68050 72750 77400
MOD.INC-GUAR.LOAN 84300 84300 84300 84300 111300 111300 111300 111300
Wilmington NC MSA Pender County NC HUD Metro FMR Area
VERY LOW INCOME 20150 23000 25900 28750 31050 33350 35650 37950
Apply Now LOW INCOME 32200 36800 41400 46000 49700 53350 57050 60700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wilmington NC HUD Metro FMR Area
VERY LOW INCOME 21950 25100 28250 31350 33900 36400 38900 41400
Apply Now LOW INCOME 35100 40100 45150 50150 54150 58150 62200 66200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Winston-Salem NC MSA
VERY LOW INCOME 21700 24800 27900 31000 33500 36000 38450 40950
Apply Now LOW INCOME 34700 39700 44650 49600 53550 57550 61500 65450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Alleghany County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ashe County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Avery County NC
VERY LOW INCOME 17750 20250 22800 25300 27350 29350 31400 33400
Apply Now LOW INCOME 28350 32400 36450 40500 43750 47000 50200 53450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Beaufort County NC
VERY LOW INCOME 18700 21400 24050 26700 28850 31000 33150 35250
Apply Now LOW INCOME 29900 34150 38450 42700 46100 49550 52950 56350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bertie County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bladen County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Camden County NC
VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
Apply Now LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 78650 78650 78650 78650 103800 103800 103800 103800
Carteret County NC
VERY LOW INCOME 21250 24250 27300 30300 32750 35150 37600 40000
Apply Now LOW INCOME 33950 38800 43650 48500 52400 56250 60150 64000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Caswell County NC
VERY LOW INCOME 18250 20850 23450 26050 28150 30250 32350 34400
Apply Now LOW INCOME 29200 33350 37550 41700 45050 48350 51700 55050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cherokee County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Chowan County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clay County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cleveland County NC
VERY LOW INCOME 17800 20350 22900 25450 27500 29500 31550 33600
Apply Now LOW INCOME 28500 32550 36650 40700 43950 47200 50450 53700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Columbus County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Craven County NC
VERY LOW INCOME 20300 23200 26100 29000 31350 33650 36000 38300
Apply Now LOW INCOME 32500 37100 41750 46400 50100 53800 57550 61250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dare County NC
VERY LOW INCOME 24500 28000 31500 34950 37750 40550 43350 46150
Apply Now LOW INCOME 39150 44700 50300 55900 60350 64850 69300 73800
MOD.INC-GUAR.LOAN 80350 80350 80350 80350 106050 106050 106050 106050
Davidson County NC
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Duplin County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gates County NC
VERY LOW INCOME 20650 23600 26550 29500 31900 34250 36600 38950
Apply Now LOW INCOME 33050 37750 42500 47200 51000 54750 58550 62300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Graham County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Granville County NC
VERY LOW INCOME 21300 24350 27400 30400 32850 35300 37700 40150
Apply Now LOW INCOME 34050 38900 43800 48650 52550 56450 60350 64200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Halifax County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harnett County NC
VERY LOW INCOME 19500 22300 25100 27850 30100 32350 34550 36800
Apply Now LOW INCOME 31200 35650 40100 44550 48100 51700 55250 58800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hertford County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hyde County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Iredell County NC
VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
Apply Now LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County NC
VERY LOW INCOME 18450 21050 23700 26300 28450 30550 32650 34750
Apply Now LOW INCOME 29450 33700 37900 42100 45450 48850 52200 55550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jones County NC
VERY LOW INCOME 17950 20500 23050 25600 27650 29700 31750 33800
Apply Now LOW INCOME 28650 32750 36850 40950 44250 47500 50800 54050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lee County NC
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lenoir County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln County NC
VERY LOW INCOME 22450 25650 28850 32050 34600 37200 39750 42300
Apply Now LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Macon County NC
VERY LOW INCOME 17800 20350 22900 25400 27450 29500 31500 33550
Apply Now LOW INCOME 28450 32500 36600 40650 43900 47150 50400 53650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Martin County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McDowell County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mitchell County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montgomery County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Moore County NC
VERY LOW INCOME 22300 25450 28650 31800 34350 36900 39450 42000
Apply Now LOW INCOME 35650 40700 45800 50900 54950 59050 63100 67200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Northampton County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pamlico County NC
VERY LOW INCOME 19400 22150 24900 27650 29900 32100 34300 36500
Apply Now LOW INCOME 31000 35400 39850 44250 47800 51350 54850 58400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pasquotank County NC
VERY LOW INCOME 20800 23750 26700 29650 32050 34400 36800 39150
Apply Now LOW INCOME 33200 37950 42700 47450 51250 55050 58850 62650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Perquimans County NC
VERY LOW INCOME 18200 20800 23400 25950 28050 30150 32200 34300
Apply Now LOW INCOME 29050 33200 37350 41500 44800 48150 51450 54800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Polk County NC
VERY LOW INCOME 19650 22450 25250 28050 30300 32550 34800 37050
Apply Now LOW INCOME 31450 35900 40400 44900 48500 52100 55700 59250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Richmond County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Robeson County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rowan County NC
VERY LOW INCOME 22450 25650 28850 32050 34600 37200 39750 42300
Apply Now LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rutherford County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sampson County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Scotland County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Stanly County NC
VERY LOW INCOME 21600 24650 27750 30800 33300 35750 38200 40700
Apply Now LOW INCOME 34500 39450 44350 49300 53250 57200 61150 65100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Surry County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Swain County NC
VERY LOW INCOME 18550 21200 23850 26450 28600 30700 32800 34950
Apply Now LOW INCOME 29600 33850 38050 42300 45700 49050 52450 55850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Transylvania CountyNC
VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
Apply Now LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tyrrell County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Vance County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Warren County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washington County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Watauga County NC
VERY LOW INCOME 21800 24900 28000 31100 33600 36100 38600 41100
Apply Now LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wilkes County NC
VERY LOW INCOME 17950 20500 23100 25650 27700 29750 31800 33850
Apply Now LOW INCOME 28750 32850 36950 41050 44350 47600 50900 54200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wilson County NC
VERY LOW INCOME 17900 20450 23000 25550 27600 29650 31700 33750
Apply Now LOW INCOME 28650 32700 36800 40900 44150 47450 50700 54000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Yancey County NC
VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
Apply Now LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 
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!