USDA Homes For Sale

Charlotte USDA HomesThere are several suburban Charlotte USDA homes communities offering some of the most luxurious and desirable locations, neighborhoods and lifestyle amenities available in metro Charlotte.  Experience a relaxed lifestyle, great shopping, and excellent schools.  These USDA Charlotte suburbs are great places to raise a family.

Just to name a few, there are many USDA areas in Charlotte which include upscale USDA communities in Waxhaw NC, USDA homes for sale in Lake Norman NC, USDA homes for sale in Lake Wylie SC, USDA homes for sale in Union county NC, USDA homes for sale in Fort Mill SC, USDA homes for sale in Indian Land SC, USDA homes for sale Concord NC, USDA homes for sale in Gaston county NC and even homes for sale in Huntersville NC.  And we didn’t even mention the USDA Monroe NC, USDA Denver NC, or USDA Iredell NC areas!  All of these areas represent some of the best suburbs in Charlotte.

While there are too many Charlotte area USDA approved homes for sale and USDA neighborhoods in Charlotte to list them all, you can search USDA homes for sale in Charlotte here.  We have compiled active MLS listings of USDA eligible homes for sale in Charlotte NC within various USDA home loan areas in Charlotte NC and have featured just a sample of available USDA properties in Charlotte NC area to search for homes in the sections below.  But please be advised that there are many more USDA homes NC we can assist you with!

If you are interested in Charlotte North Carolina USDA homes and living the suburban Charlotte Lifestyle with the added benefit of a NO DOWN PAYMENT USDA 100% home loan in Charlotte NC, please contact us.  You will be subscribed to receive our FREE Charlotte USDA Homes property alerts with the most comprehensive list of Charlotte USDA properties and Charlotte USDA neighborhoods in the area.  Contact us today for a current list of Charlotte NC USDA properties for sale.



TO RECEIVE A COMPREHENSIVE LIST OF CHARLOTTE AREA USDA ELIGIBLE HOMES, please complete the form below and let us know the price range and county location(s) you’re interested in receiving eligible home listings for.  ALSO VIEW A SAMPLE OF THE NEWEST USDA HOME LISTINGS WITH PHOTOS AND DETAILS AT THE END OF THIS PAGE BELOW!

NOTE:  If you are interested in the Charlotte USDA Guaranteed Loan Program for USDA eligible homes in the Charlotte area, you’ll love our portfolio loan which offers more flexibility.  If you have a 680 or higher credit score, you may qualify for our 100% No Money Down loan.  Unlike the USDA Home Loan Program, our portfolio loan has no income restrictions, and few of the geographic restrictions that the USDA loan has.  It allows for a home purchase anywhere in Mecklenburg, Union or Cabarrus counties in NC and York, Lancaster and Chester counties of SC.  And purchase price can be as high as $417,000.

If you think you may qualify for this option instead, go to our Charlotte No Money Down Home Purchase page for more details.  But for those who don’t qualify, the USDA Guaranteed Loan Program remains a great option as well as any of our several other options offered on our Charlotte Down Payment Assistance for First-time Home Buyers page.

Featured Charlotte USDA Home Communities

Berewick (200s-300s) Mcginnis Village (200s) Steeplechase (100s-200s)
Bradfield Farms (100s-200s) McKee Ridge (300s) The Palisades (200s – 1M)
Creekshire Estates (200s-300s) Northgate at Bradfield Farms (100s) The Rapids At Belmeade (200s)
Creekshire Village (200s) Northlake (200s-300s) Vineyards on Lake Wylie(200s-900s)
Falcon Ridge (high 100s – 200s) Riverwood (200s-300s) Westmoreland (100s)
Graystone (200s) Rocky Ridge (100s) Larkhaven (100s)
Harbor Club (200s) Sherwood Forest (200s-700s) Steele Creek Landing (200s)
Hathaway Hills (100s) Southern Trace (200s-400s)

Featured Cabarrus County NC USDA Homes for Sale

Ashebrook   (100s) Brandon Ridge   (100s) Braxton Estates   (100s)
East Crestridge Estate   (200s – 400s) Far Away Place   (200s – 300s) Fieldstone   (100s – 300s)
Heritage Woods   (100s – 300s) Lake Shore Estates   (300s – 500s) Porters Landing   (200s – 400s)
Ramsgate   (100s) Saint Andrews   (100s) St Andrews   (100s)
The Mills At Rocky River   (200s – 300s) The Pointe at St Andrews (100s) Vanderburg Estates   (100s)
Walden Pond   (200s – 300s) Abbington   (300s – 600s) Blume   (300s – 500s)
Bradford Park   (300s – 500s) Britley   (300s – 400s) Hawthorne   (300s)
Kensington Forest   (300s – 500s) Peach Orchard Estates   (200s – 400s)  Meadow Creek Village   (100s)
The Villages At Red Bridge   (300s – 500s) Bethel Glen   (200s – 300s) Cedarvale Farms   (200s – 400s)
Deer Run   (100s – 200s) Saddlebrook   (100s – 200s) Tucker Chase   (100s – 200s)

Featured Iredell County NC USDA Homes for Sale

Ashlyn Creek  (300s) Avalon  (200s – 300s) Byers Creek   (200s – 300s)
Cherry Grove  (200s – 300s) Curtis Pond  (200s) Davidson Pointe  (200s – 400s)
Edgewater Park  (300s – 400s) Foxfield  (300s – 400s) Gabriel Estates  (200s)
Greene Croft  (100s – 200s) Harbor View  (200s) Harris Crossing  (100s)
Harris Village  (200s – 300s) High Ridge  (100s) Highland Ridge  (200s)
Honeysuckle Creek  (300s) Johnson Manor   (200s) Kistler Mill   (200s)
Linwood Farms   (200s – 300s) Mallard Head   (300s – 400s) Morrison Plantation   (200s – 300s)
Muirfield   (200s – 300s) Northbridge   (300s – 400s)  Oaks on Main   (200s)
Parkmont  (200s) Pecan Hills   (200s – 300s) Reserve at Morrison Plantation   (200s – 300s)
Shepherds Bluff   (300s) Stafford at Langtree   (200s – 300s) The Farms   (200s – 700s)
The Hampshires   (100s) The Heritage at Neel Ranch   (200s) The Villages at Oak Tree   (100s – 200s)
The Woodlands   (200s – 300s) Trillium   (300s) Water Oak   (100s – 300s)
Waterlynn   (200s – 300s) Wellesley   (200s – 400s) Wellesley East   (200s – 300s)
Winborne   (100s) Woodleaf   (400s – 600s) Aberdeen Village   (100s)
Falls Cove   (300s – 400s) Falls Park   (300s) Hawks Landing   (200s – 300s)
Jacobs Woods   (100s) Meadow Glen   (100s – 300s) South Trace   (200s)
Sutters Mill   (200s) Twin Creek Estates   (200s – 300s) Wildlife Bay   (500s – 1M+)

Featured Union County NC USDA Homes for Sale

Alma Village (200s) Ashton (100s) Berkley Pointe (300s)
Berkshire (200s-300s) Briarcrest (300s-400s) Camberley (100s-200s)
Chadwyck (300s) Country Manor (high 100s) Cureton (200s-800s)
Demere (200s-300s) Fairhaven (100s-300s) Glendalough (200s-300s)
Harrison Park (100s-200s) Heathwood (200s-500s) Highland Pointe (200s)
Hilton Meadows (200s) Hunters Trace (200s) Huntington Farms (high 100s-200s)
Lawson (200s-600s) Loxdale Farms (200s) Magnolia Ridge (200s)
Meadowview (100s) Millbridge (200s-500s) New Towne Village (200s)
Park Providence (200s) Potters Trace (200s-300s) Prescot (200s)
Providence Grove (300s) Saye Brook (200s) Shannon Vista (200s-300s)
St Johns Forest (100s-200s) Stonebridge (200s-400s) Stonegate (300s-400s)
The Oaks at Camden (200s-300s) The Oaks on Providence (200s) The Reserve (300s-400s)
Tuscany (200s-400s) Wesley Chapel (100s) Wesley Oaks (200s-400s)
Wesley Springs (200s) Winding Creek (300s) Woodleaf (mid 100s)

Featured Gaston County NC USDA Homes for Sale

Kellys Landing Westland Farm Stowe Pointe Dutchmans Meadow
Kendrick Farms Eagle Park Deerfield



USDA Rural Development Housing Guaranteed Loan Program Charlotte NC

There are thousands of available USDA homes for sale in Charlotte and Charlotte NC suburbs. We specialize in Charlotte USDA homes for sale through the USDA home loan program. We have all the resources to help you find USDA Charlotte NC homes for sale in several USDA suburban communities in Charlotte.

The USDA Program Charlotte is one of the few remaining zero-down loan programs which offers 100% financing. The USDA guaranteed home loan program is a government-backed housing loan similar to the more widely-used FHA home loan. The purpose is to assist low to moderate income homebuyers by offering a no down payment loan alternative to eligible homebuyers to purchase USDA eligible homes for sale. USDA communities in Charlotte NC offer some of the finest suburban homes in Charlotte NC.

If 100% financing with no down payment is not enough of a benefit for you, there are other great features of the USDA Guaranteed Housing Program in Charlotte NC:

  • Flexible credit guidelines. Non-traditional credit histories are acceptable.
  • Very low PMI rate compared to FHA and low interest rates
  • No maximum purchase price!
  • Gift funds, grant funds and seller concessions are allowed to cover closing costs
  • Not limited to first time buyers only!

Buyer can currently own a home in some cases if the new home will be located outside specified commuting distance, i.e., in a different state…buyer can qualify for 100% financing!

Higher debt-to-income ratios with compensating factors



Charlotte NC USDA Rural Development Loan Program Overview

There are three primary requirements of the Charlotte NC USDA Guaranteed Rural Housing Loan program:

Home must be located in one of the eligible Charlotte NC suburbs that qualifies as a USDA home loan area.

See USDA homes maps of eligible Charlotte suburban communities of homes that qualify for USDA home loan program in Charlotte NC area.

USDA income limits for household must not exceed income limits for the Charlotte NC Metropolitan Statistical Area (MSA)

Home must be owner-occupied primary residence, and not for business income-producing activities

If you are interested in living the Suburban Charlotte Lifestyle with the added benefit of NO DOWN PAYMENT USDA 100% financing home loan in Charlotte NC, please contact us. You will be subscribed to receive our FREE USDA property alerts with the most comprehensive list of Charlotte USDA properties and Charlotte USDA neighborhoods in the area. Contact us today for a current list of Charlotte NC USDA properties for sale.



USDA Home Loan Program Income Requirements in Charlotte NC

See if your family meets the USDA 100% financing program requirements for family income limits for USDA approved homes in Charlotte. View the first video below to see how you qualify for USDA home loan program Charlotte NC Real Estate.  Also, the table below shows the current 2012 income limits for USDA home loans in Charlotte NC area:

Area 1- 4 Person 5 or More
Charlotte-Gastonia-Rock Hill, NC-SC MSA 78,800 104,000
Iredell County, NC 74,750 98,650
Lincoln County, NC 74,750 98,650

To determine USDA income limits in Charlotte or if homes in Charlotte suburbs or Charlotte NC subdivisions are eligible for USDA 100% financing, refer to our helpful Charlotte USDA property lookup tool to determine property eligibility.  View video for navigation tips.  Or to find out if your family qualifies to purchase any of these fabulous USDA homes in Charlotte, please complete our Online Application and we’ll get the ball rolling on your path to homeownership.

We are USDA housing experts in Charlotte NC and make buying USDA homes in Charlotte NC easy!  If you would like more information about the USDA home loan down payment assistance program in Charlotte or would like to receive free USDA Property Alerts, please fill out the form below and we’ll have one of our qualified professionals contact you.

Need to know which Charlotte USDA homes qualify for 100% financing?  We have the most comprehensive USDA Charlotte NC property search available in the Charlotte real estate market.  If you would like more information about USDA homes NC and USDA communities in Charlotte, or information about the USDA loan program in Charlotte, please complete the form below and we’ll have one of our qualified professionals contact you.  We will explain and simplify the USDA Eligibility Requirements for Charlotte NC.


Newest Charlotte USDA Homes for Sale


Newest Cabarrus County USDA Homes for Sale


Newest Iredell County USDA Homes for Sale


Newest Union County USDA Homes for Sale


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