North Carolina USDA Rural Development No Money Down USDA Loan Program

For North Carolina homebuyers the no money down USDA Loan program offers affordable mortgage financing for moderate income households purchasing a house in a designated USDA Rural area as determined by the Rural Housing Service (RHS). Income and property location guidelines for the USDA Loan program require that the:
Household must have a moderate income not to exceed USDA Program county limits based on a household size of one to four or five and more family members.
The house must be located in a designated RHS USDA Rural approved area. Homebuyers should not assume that the term "rural" means the USDA Home Loan program is only available in farming communities. Many areas approved by the RHS for the USDA Loan program are residential areas, near major cities, with a complete absence of any local farms.
North Carolina USDA Loan County Guideline Lookup Tool
Select County Maximum Income
Family 1-4:
Family 5+:
County Eligibility:
Make too much to qualify for the North Carolina USDA Loan? You still may qualify for the California USDA Loan Program based on certain deductions allowed by USDA Rural Development using the
North Carolina USDA Max Income Calculator

By purchasing a home located in a USDA Rural area, USDA Loans allow qualified homebuyers the ability to buy a house with:

No Money Down - 100% USDA Loan Financing - Low Monthly Mortgage Insurance - Flexible Credit Approval - Secure 30 Year Fixed Rate Mortgage - Unlimited Seller Closing Cost Help Allowed.


Get Qualified For The USDA Rural Development Loan
Step 1 of 3 : Loan Information
Purpose of Loan:
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Step 2 of 3 : About You
When are you looking to purchase/refinance:
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North Carolina USDA Rural Development County Specific Income and Location Guidelines

CountyMax Household IncomeLocation Restrictions
1 - 4 5 + People
Alamance$74,750$98,650Partially Eligible
Alexander$74,750$98,650100% Eligible
Alleghany$74,750$98,650100% Eligible
Anson$74,750$98,650100% Eligible
Ashe$74,750$98,650100% Eligible
Avery$74,750$98,650100% Eligible
Beaufort$74,750$98,650100% Eligible
Bertie$74,750$98,650100% Eligible
Bladen$74,750$98,650100% Eligible
Brunswick$74,750$98,650100% Eligible
Buncombe$74,750$98,650Partially Eligible
Burke$74,750$98,650Partially Eligible
Cabarrus$78,800$104,000Partially Eligible
Caldwell$74,750$98,650100% Eligible
Camden$74,950$98,950100% Eligible
Carteret$74,750$98,650100% Eligible
Caswell$74,750$98,650100% Eligible
Catawba$74,750$98,650Partially Eligible
Chatham$82,000$108,250100% Eligible
Cherokee$74,750$98,650100% Eligible
Chowan$74,750$98,650100% Eligible
Clay$74,750$98,650100% Eligible
Cleveland$74,750$98,650100% Eligible
Columbus$74,750$98,650100% Eligible
Craven$74,750$98,650Partially Eligible
Cumberland$74,750$98,650Partially Eligible
Currituck$84,300$111,300100% Eligible
Dare$80,350$106,050100% Eligible
Davidson$74,750$98,650Partially Eligible
Davie$74,750$98,650100% Eligible
Duplin$74,750$98,650100% Eligible
Durham$82,000$108,250Partially Eligible
Edgecombe$74,750$98,650Partially Eligible
Forsyth$74,750$98,650Partially Eligible
Franklin$91,850$121,250100% Eligible
Gaston$78,800$104,000Partially Eligible
Gates$74,750$98,650100% Eligible
Graham$74,750$98,650100% Eligible
Granville$74,750$98,650100% Eligible
Greene$74,750$98,650100% Eligible
Guilford$74,750$98,650Partially Eligible
Halifax$74,750$98,650100% Eligible
Harnett$74,750$98,650100% Eligible
Haywood$74,750$98,650100% Eligible
Henderson$74,750$98,650100% Eligible
Hertford$74,750$98,650100% Eligible
Hoke$74,750$98,650100% Eligible
Hyde$74,750$98,650100% Eligible
Iredell$74,750$98,650Partially Eligible
Jackson$74,750$98,650100% Eligible
Johnston$91,850$121,250100% Eligible
Jones$74,750$98,650100% Eligible
Lee$74,750$98,650100% Eligible
Lenoir$74,750$98,650Partially Eligible
Lincoln$74,750$98,650100% Eligible
Macon$74,750$98,650100% Eligible
Madison$74,750$98,650100% Eligible
Martin$74,750$98,650100% Eligible
Mcdowell$74,750$98,650100% Eligible
Mecklenburg$78,800$104,000Partially Eligible
Mitchell$74,750$98,650100% Eligible
Montgomery$74,750$98,650100% Eligible
Moore$74,750$98,650100% Eligible
Nash$74,750$98,650Partially Eligible
New Hanover$74,750$98,650Partially Eligible
Northampton$74,750$98,650100% Eligible
Onslow$74,750$98,650Partially Eligible
Orange$82,000$108,250Partially Eligible
Pamlico$74,750$98,650100% Eligible
Pasquotank$74,750$98,650100% Eligible
Pender$74,750$98,650100% Eligible
Perquimans$74,750$98,650100% Eligible
Person$74,750$98,650100% Eligible
Pitt$74,750$98,650Partially Eligible
Polk$74,750$98,650100% Eligible
Randolph$74,750$98,650Partially Eligible
Richmond$74,750$98,650100% Eligible
Robeson$74,750$98,650100% Eligible
Rockingham$74,750$98,650100% Eligible
Rowan$74,750$98,650Partially Eligible
Rutherford$74,750$98,650100% Eligible
Sampson$74,750$98,650100% Eligible
Scotland$74,750$98,650100% Eligible
Stanly$74,750$98,650100% Eligible
Stokes$74,750$98,650100% Eligible
Surry$74,750$98,650100% Eligible
Swain$74,750$98,650100% Eligible
Transylvania$74,750$98,650100% Eligible
Tyrrell$74,750$98,650100% Eligible
Union$78,800$104,000Partially Eligible
Vance$74,750$98,650100% Eligible
Wake$91,850$121,250Partially Eligible
Warren$74,750$98,650100% Eligible
Washington$74,750$98,650100% Eligible
Watauga$74,750$98,650100% Eligible
Wayne$74,750$98,650Partially Eligible
Wilkes$74,750$98,650100% Eligible
Wilson$74,750$98,650Partially Eligible
Yadkin$74,750$98,650100% Eligible
Yancey$74,750$98,650100% Eligible