Pruitt Miller Realty Group: 704.608.2794 | Contact Us

Charlotte University, Ballantyne and Lake Norman Homes | 704.608.2794Charlotte University, Ballantyne and Lake Norman Homes | 704.608.2794

Specializing in homes in University City, Ballantyne and Lake Norman areas of Charlotte

Charlotte University, Ballantyne and Lake Norman Homes

  • Menu
  • Home
  • SEARCH
    • Advanced Search
    • Search by School District
  • Communities
    • Charlotte – North
    • Charlotte – South
    • Uptown Charlotte
    • Ballantyne
    • Waxhaw
    • Concord
    • Lake Wylie & Steele Creek
    • Harrisburg
    • Weddington
    • Mint Hill
    • Matthews
    • Huntersville
    • Union County
  • Buyers
    • Tips for Buying Homes in Charlotte, NC
    • First Time Buyers Guide
    • New Home Communities And New Home Builders
    • Retirement Communities in Charlotte – 55+ Communities
    • Buying For Investment
    • Luxury Homes for Sale in Charlotte NC
    • USDA Homes For Sale
    • 9 Mistakes Home Buyers Make And How To Avoid Them
  • Sellers
    • Sell My Home Fast Charlotte NC
    • Home Sellers
    • Current Market Reports & Home Sale Data
    • Charlotte FSBO
    • Preparing Your Home
    • 14 Costly Mistakes When Selling
  • Charlotte
    • About Charlotte NC
    • Relocating To Charlotte NC
    • Local Links
  • About
    • Meet The Team
    • Success Stories
  • Resources
    • Free Reports
    • Down Payment Assistance
  • Blog
  • Our Featured Properties

Charlotte USDA Loan Program Requirements

USDA communities in Charlotte offer some of the finest suburban homes in Charlotte NC! There is an abundant inventory or new and existing USDA homes for sale in Charlotte and Charlotte NC suburbs.  We specialize in Charlotte USDA homes and the USDA loan program.  The USDA loan program offers 100% financing for homebuyers in Charlotte, among other areas near and far.  The loan program provides home ownership opportunities for low to moderate income families and is available in the Charlotte area NC counties of Mecklenburg, Cabarrus, Union, Gaston and Iredell, as well as the Charlotte area SC counties of York and Lancaster counties.

Charlotte USDA properties and homes that qualify for this financing include existing and new homes for sale in the Charlotte NC area and include homes for sale in Charlotte area zip codes such as:

28075 28163 28215
28097 28110 28107
28227 28079 28025

These are just some of the desirable Charlotte area zip codes that offer USDA homes for sale!

What are the requirements for purchasing USDA homes in Charlotte?

There are three primary requirements of the Charlotte NC USDA Guaranteed Rural Housing Loan program: (1) the home must be located in one of the eligible Charlotte NC suburbs that qualifies as a USDA home loan area;  (2) USDA income household limits must not exceed specified income limits for the Charlotte NC Metropolitan Statistical Area; (3) the home must be an owner-occupied primary residence, and not investment property or income-producing property.

How much money will I need to purchase a USDA home in Charlotte?

A USDA home can generally be purchased for little to no money down beyond the initial earnest money deposit when contracted.

Are there Income Limits that apply?

Yes.  See the primary requirements above.

Can I purchase a home anywhere I choose?

No.  The program is limited to designated USDA areas in Charlotte and surrounding areas.

Does a USDA loan have mortgage insurance?

No.  In addition to the USDA home loan not requiring a down payment, this is another wonderful benefit.  With no mortgage insurance required, home purchasers can save approximately $100 (more or less) on monthly mortgage payments!  There is however, a one-time mortgage insurance guarantee fee payable at closing which can be financed into the loan.

Is there a maximum loan amount for a USDA home loan?

Yes…and No.  While there is no official “maximum” loan amount, your loan amount will be limited to your individual ability to pay the loan back and/or the amount that a home appraises for. 

USDA Homes for Sale Charlotte NC

USDA Charlotte area Eligibility maps

Apply for USDA Loan

If you are interested in suburban Charlotte living with the added benefit of NO DOWN PAYMENT USDA 100% financing in Charlotte, please complete the form below. 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.

AnchorWe are USDA housing experts in Charlotte NC and make buying USDA homes in Charlotte easy!  The USDA Loan program has helped thousands of home buyers in the Charlotte area.  If you would like more information about USDA homes NC or about the USDA loan program in the Charlotte area or to receive free custom USDA Property Alerts, contact us today!

Request More Information

If you have questions or would like more information, please provide requested information below.

  • This field is for validation purposes and should be left unchanged.

Search

Search for:

From the Blog

what is a conventional loan - charlotte homes for sale

The Truth About Offerpad in Charlotte

va loan info - charlotte real estate listings

Winter is the Best Time to Sell Your Home in Charlotte

Buying Flood Insurance in Charlotte, North Carolina

Charlotte’s Tree Ordinance

A Look At Hurricane Florence’s Impact On Charlotte Real Estate

Featured Charlotte Homes

1400 Delaney Drive $1,463,650

1400 Delaney Drive Matthews, North Carolina

5 Beds 6 Baths 4,235 Sq Ft 0.956 Acres

2204 Rozzelles Ferry Road $395,000

2204 Rozzelles Ferry Road Charlotte, North Carolina

2 Beds 1 Baths 1,217 Sq Ft 0.18 Acres

Account Login

Do you already have an account? You can log in here:

Homes for sale in Charlotte NC

Pruitt Miller Realty Group - Huntersville
Homes for sale in Charlotte NC
13420 Reese Blvd W
Huntersville, NC 28078
Direct Phone: 704-608-2794

Trending Charlotte Homes

Retirement Communities in Charlotte NC | Retirement Homes in Charlotte NC | Relocating to Charlotte NC | Charlotte Luxury Homes | Homes for Sale in Matthews NC | Homes for Sale in Charlotte North Carolina | New Construction Charlotte NC | Homes for Sale in Weddington NC | Waxhaw NC Homes for Sale | Huntersville NC Homes for Sale | Ballantyne NC Homes for Sale | Search Charlotte MLS

Popular Homes in Charlotte

Charlotte NC Homes for Sale in Bradfield Farms | Homes for Sale University City | Charlotte NC Homes for Sale in Berewick | Charlotte NC Homes for Sale in Steele Creek Landing | Charlotte NC Homes for Sale in Rocky Ridge | Charlotte NC Homes for Sale in Steeplechase | Hathaway Hills Homes for Sale in Charlotte NC | Charlotte NC Homes for Sale in the Palisades | Charlotte NC Homes for Sale in Westmoreland
© 2025 · Pruitt Miller Realty Group - Huntersville, Derhyl Pruitt · 704-608-2794 · Sitemap · IDX Sitemap · IDX XML Sitemap · Accessibility Statement · Privacy Policy · Privacy Settings · Terms of Service · Cookie PolicyCharlotte NC Homes for Sale
Disclaimer - All Rights Reserved by Pruitt Miller Realty Group - Huntersville, Derhyl Pruitt

Log in · Real Estate Websites by Real Estate Websites by YourSiteNeedsMe.com
Rated 5 / 5 based on 23 reviews. | Review Us