If you’re looking for USDA homes for sale you’re probably wondering what the requirements are, and where eligible homes are located in the greater Raleigh/Durham area. See below for more information and don't worry - you don’t have to work in agriculture to qualify!
The USDA Home Loan program originated to help finance homes in designated rural areas by providing guarantees to lenders to protect against buyer defaults. Standard 30-year mortgage rates and 100% financing make these homes accessible to low and moderate-income buyers who may not otherwise be able to purchase a home.
USDA loans are available for properties that meet specific requirements (rural location, safety and health standards) and buyers who fall within the guidelines for credit score and income. And although the “rural area” requirement excludes the metropolitan cities of the Triangle area - Raleigh, Durham, Chapel Hill - we do have semi-urban and rural areas close by that are eligible.
There are three different types of USDA loans available to homebuyers.
Homes eligible for USDA loans have stringent guidelines for eligibility. The homes must be geographically located within a Rural Development area and be owner-occupied and a private residence.
Based on verifiable income sources, loan amounts are determined on a case-by-case basis by the banks. For most USDA Guaranteed loans, there is no official upper limit on the loans. In some of the semi-rural areas near Raleigh, there are USDA-eligible homes being built and priced around $500k.
For USDA Direct loans, the limit on loans is $336,000 (2022) but the amount varies around the country in consideration of areas where home prices are substantially higher.
Applicants for USDA home loans must be a U.S. Citizen, U.S. non-citizen national, or qualified alien.
In addition to being within a specific “rural area,” the home must also be an owner-occupied private residence. Although the properties cannot be income-producing or second homes, they can be of varying types: new construction, manufactured homes, condos, townhomes, or modular homes.
This handy USDA calculator helps you pinpoint the upper-income limit for the state and county you’re considering.
Interest rates can be as low as 1% for these loans when supplemented with other payment assistance options. As of February 1, 2023, the current interest rate for USDA Direct loans is 4.00% for low-income and very low-income borrowers.
Closing costs for a USDA loan are typically 2% – 6% of the home’s purchase price, and USDA does allow seller concessions up to 6% of the sales price. Some lenders roll over closing costs into the overall loan, so no money is due at closing.
Beyond the standard 30-year loan, some provisions allow for a 33-year payback period, or even 38 years in certain circumstances.
You can find good information and specific details here on the USDA program in NC.
The top-level benefits of a USDA home loan are summarized above but include:
In addition to these benefits, here are a few other program benefits that many people don’t know.
There are USDA eligible homes for sale throughout the greater Raleigh area including some in Zebulon, Wendell, Clayton, Smithfield, Oxford, Louisburg and other surrounding towns. The USDA home loan program can be an excellent fit for you if you meet the qualifications. It can be complicated though, so it’s helpful to have an experienced realtor guide you through the process. We would be happy to help, and if you want to know how to find homes that qualify for USDA loans, check our listings below or contact us today!
For the homes below, please verify with us prior to placing a USDA financed offer.
Great tract with some open land for cultivating or pasture, no restrictions. The home will need to be completely renovated.
Investors welcomed, great potential.. Cash only purchases. Home being sold in as is condition, no repairs will be made. Great location close to area amenities. Seller's P...
LOCATION, LOCATION, LOCATION!! Only 30 miles to Durham, 5 mins away from Downtown Henderson, and 16 miles to Henderson!! Welcome to your new home at 312 Roxboro St, Oxfor...
An incredible opportunity awaits for investors or builders! This 1.83-acre property is ideally situated between two growing communities, just 12.8 miles from Roxboro, NC,...
Nestled in the sought-after Lake Royale gated community, this well-maintained park model is ideal for minimalist living and ready for you to move in and enjoy! Features n...
One owner minutes from downtown Oxford. Large private backyard with beautiful landscaping. Ranch has additional spaces. Screened in porch that gives beautiful views. A...
Wonderful opportunity . Come one level 2 bedroom, 1 bathroom home in Oxford. An inviting front porch and friendly neighbors in a great community awaits you. Location offe...
MUST see this great investment opportunity. Property has two singlewide manufactured homes. Tenant in 113 must have 48 hours notice to show the property. Lot 7 is 113A...
Investor Special! This two-story investment property features long-term renters. It boasts 4 bedrooms and 2.5 baths, with recent upgrades including new carpet, fresh p...
Cash Sale ONLY - AS IS!!! PRIVATE COUNTRY LIVING on over 2.2 acres of picturesque land w/ POND and a WORKSHOP that's a hobbyist's paradise. This move-in ready singlewide,...
Investment opportunity: double/triple wide manufactured home currenly occuied but need some repairs and vacant singlewide mobile home (5 rooms, 1 bath, Poor Condition) lo...
Attention Investors and contractors! Bring your paint brush and hammer, or maybe your jackhammer. This house needs more than a paint job. With a little Imagination and E...
GREAT DEAL IN TIMBERLAKE! Built in 2019 this Manufactured home has 3 Bedrooms, 2 Full Bathrooms on an acre of land! This would make a great starter home, easy commute to ...
Completely remodeled double wide sitting on a gracious 1.2 acres. Property has been completely renovated inside. New paint and flooring, new baths, new kitchen, new win...
Spacious & Renovated Home on .92 Acre Cul-de-sac lot! Welcome to 235 Spruce Court, Timberlake, NC! This delightful home offering a peaceful retreat with ample space to e...
Are you looking for a beautiful ranch style home located on almost 2 acres close to Raleigh and no HOA? Then this one fits the bill This 3 bed/2 bath double wide home is ...
This beautiful 2 Bedroom 2 bath bungalow is just what you have been waiting for. Kitchen features updated cabinets, backsplash, and stainless steel appliances. The fr...
Beautiful remodeled ranch home with tons of upgrades! Updated kitchen with new shaker cabinets, granite counter tops, tile back splash and stainless steel appliances. Upd...
GORGEOUS ONE level living on over an acer with a bright open floor plan and upgrades galore. Features a custom designer kitchen with granite and Stainless Steel appliance...
Great 3 bed/1 bath ranch home on 1.28 acre of land with easy access to US 501 for an easy commute into Durham. Only 1 owner that has lovingly maintained the home since 19...
Discover this inviting 3-bedroom, 1-bath brick ranch in the heart of Oxford, NC! Perfect for those seeking both charm and convenience, this home features a spacious livin...
Verbally under Contract. Waiting for signed document to come through the mail. If you like privacy, this home is for you. Tucked back in the woods on 2.23 acres in Winc...
NEW PRICE! Updated listing. 10/01/2024. Offered now as home with 1 acre lot. Home is located at the end of gravel driveway, (360 Winchester Road). If your looking for a n...
*BUYER AND AGENT INCENTIVE! See remarks* Have you been looking for a renovated home on a quiet side street? That is close to everything, including the highway, but feels ...
Updated 3 bed, 2 bathroom home ready to move-in! The front porch greets you, allowing for enjoyment of this quiet area of Franklin County. Walking in, you are greeted wit...
Bright and Beautiful 3-Bedroom Home with Open Floor Plan! This charming home features an open-concept design with abundant natural light. The modern kitchen boasts stain...
Move in ready- updated home! Enjoy this cozy home on .76 acres. Vinyl flooring in every room, no carpet. Granite countertop in the kitchen with stainless steel dishwasher...
Spacious Split Floor plan Home with Lots of Updates including Roof, Decks, Siding, Flooring, Kitchen Sink & Counter Tops, Paint & Bathrooms! Drive Down the Concrete Drive...
Discover a Meticulously Designed Tiny Home offering 349.3 SF of Living Space, Incl a Main Level of 224 SF & Lofts totaling 125.33 SF! The Bathroom features a Spacious Res...
Investor Special! This beautiful property has over 4 acres! Some TLC and you can make this house your home or turn it into a great investment opportunity! This can also b...
Great split-level home just inside the citylimits of Oxford. Property offers a fantastic location for easy access at I85, and both Henderson and Oxford. Home has been i...
Welcome to your stunning new home in the heart of Louisburg, NC! This newly built gem is situated within the city limits, providing convenience and charm. As you step ins...
Welcome to this adorable 3 bed, 2 bath ranch, situated on an oversized lot in the beautiful gated community of Lake Royale! Take in the views of the peaceful neighborhood...
Seller is offering $2500 closing cost concession with accepted offer. Preferred Lender credit available up to $1500. Welcome Home! This lovely 3 bedroom home is nestled o...
Well Maintained 4 Bedroom 2 Bath Manufactured Home on 1 acre. Enjoy an open floor plan that provides plenty of room for relaxation and entertaining. Roof replaced in 20...
THIS HOME IS BACK ON THE MARKET! You do not want to miss out on this beautiful maintained home. Come and check out some of the recent updates, large back yard, huge back ...
TIME TO ENJOY THE SUMMER. Get your summer going by owning this waterfront home in the gated resort community of Lake Royale. Park Model with a room addition and a cozy co...
Wonderful well-cared for home with lots of extras! Cedar lined closets, knotty pine paneling, full unfinished basement with bathroom and kitchen, whole-house generator ...
Custom Built by Ken Harvey Homes! Cottage on TRIPLE LOT w/Huge Rocking Chair Front Porch! Front Door Opens into Open Concept Kitchen, Dining Rm & Family Rm! 7'' Wide Plan...
3 bed, 2 bath that is ready to move-in! Walking in, the home boasts of an open-concept living/dining/kitchen that is great for entertaining family and friends. Don't miss...
Great Brick ranch home in the country with no restrictions.
Enjoy lake life living in ''NC Best Kept Secret''. This 3 bedroom, 2 bath ranch home in popular Lake Royale. In the backyard there is a back deck and gazebo for entertain...
Custom Built by Ken Harvey Homes! Wide Plank Waterproof LVP & Crown Thru Main Living! Kitchen features ''Pebble Lux'' Painted Cabinets w/Cove Crown Trim, ''Miami White'' ...
STUNNING HOME W/First-Floor Primary in Coveted and Gated Lake Royale (Lake and Golf Resort) Short Drive to Triangle. Priced to Sell Quickly. Discover this beautiful home ...
Custom Built by Ken Harvey Homes! Cottage w/Huge Rocking Chair Front Porch! Storage Shed Included! Front Door Opens into Open Concept Kitchen, Dining Rm & Family Rm! 7'' ...
Beautiful. home in the popular gated community of Lake Royale! Ready to move into condition with all window dressing (Curtains & Blinds). Living-room and master bedroom h...
Move-in ready! True Ranch w/Open Floor Plan! Refrigerator/ Washer & Dryer INCLUDED! Kitchen: White Shaker Cabinets w/Crown Trim, Granite Countertops, Large Center Island ...
Charming 3 Bedroom 2 Bath Ranch Home with Flex Area and Office Area on 1.48 Acres. Current Owners are Using Flex Room as Master Suite. Home has durable metal roof (30yr w...
Discover the perfect blend of comfort and tranquility in this delightful 3-bedroom, 2-bathroom ranch home. Nestled on a spacious 1.3-acre fenced-in lot, this property off...
Wonderful ranch situated on +/- 1.2 acres providing plenty of privacy and space. The home itself features a split bedroom plan with a bright primary suite separated from ...
This stunning property is perfectly located in Louisburg, offering convenience with nearby shopping, DMV, gas stations, and more. The home features luxurious plank floori...
Live like you own the ranch! 15 minutes north of Downtown Hillsborough, surrounded by unending fields and a few cows, sits a 2 bedroom, 1 bath, 1792 sq ft solidly-built ...
100% USDA FINANCING DOWN!! Wonderful home on 1 ACRE within city limits of Oxford! Features include a separate dining area, large family room, crown molding, built-ins aro...
Showings begin 10/8 @ 12:00 PM. Seller will gladly entertain allowance for repairs. Charming 3Bd/2Ba home in the heart of Creedmoor. Cul-de-sac lot with rocking chair ...
You have to see this 1898 SF,3 BR/2.5 tri-level home! Located on .89 AC Lot (on a hill) in an awesome subdivision, with easy access to I-85, this home features Brick/Viny...
Discover the perfect blend of charm and modern comfort in this beautiful home on Main Street Louisburg! Inside, you'll find original hardwoods, fireplaces, tall ceilings,...
This 3-bedroom ranch has an appealing layout with a large living room that opens to the kitchen and dining area. The sliding glass door in the living room offers views of...
This stunning property on 6592 Pebble Lane is a true oasis of tranquility. Enjoy all that this home has to offer including several upgrades-hardwood floors throughout the...
BEAUTIFUL SHELTON HILLS SUBDIVISION WITH EXCLUSIVE PRIVATE LOT NEXT TO FULLY STOCKED POND! OFFERING 3 BEDS, 2 FULL BATHS, WHOLE HOUSE FILTRATION SYSTEM, NEW WELL PUMP, LA...
The one-story Blanco features a stylish and functional layout with 3 bedrooms, 2 bathrooms, a large living room and more. The kitchen with its granite countertops, oversi...
The one-story Blanco features a stylish and functional layout with 3 bedrooms, 2 bathrooms, a large living room and more. The kitchen with its granite countertops, oversi...
WOW! ***** LOOK AT THE PRICE PER SQ FT ~ It is 19% BELOW the AVERAGE NEW BUILD $/ SQ FT in Lake Royale for New Builds! ********* NEW CONSTRUCTION MA...
Please call for information referencing Material Facts from previous Inspections! Welcome to YOUR CHARMING COUNTRY HOME with a touch of the past. Nestled in a grove ...
Beautiful and well maintained! Three Bedroom Home in Rougemont. Open/split plan with a large suite with walk in closet, walk in shower and tub. Roomy Kitchen with all of ...
3 BEDS/ 2 FULL Baths Home renovated in 2022, with 1.5 Acres, NO HOA & No Restrictions! Zone agriculture residential. One car detached garage (20'X10') and additional Stor...
This two-story 3-bed, 2.5-bath home will take your lifestyle to the next level. The open floor plan allows you to move easily from the kitchen to the breakfast area and l...
Welcome to your dream ranch style home. No HOA ,Perfect for entertaining with 3 bedrooms,2 full bathrooms ready to move in.Formal living room,Dining room with fireplace.P...
ASK ABOUT OUR FIRST TIME HOME BUYER PROGRAM! USDA Eligible Home!! RANCH PLAN w/Screened Rear Porch! Luxury Vinyl HWD Style Flooring Thru Main Living Areas & Cathedral Cei...
ASK ABOUT OUR FIRST TIME HOME BUYER PROGRAM! USDA Eligible Financing! RANCH PLAN! Luxury Vinyl Hardwood Style Flooring Thru Main Living Areas & Cathedral Ceilings! Kitche...
Welcome to your serene retreat near Lake Royale! This delightful 3bed/3bath ranch-style home sits on a spacious .75-acre double lot, offering both tranquility and conveni...
Lovely 3 bed, 2 bath home with NO HOA! Over half an acre to call your own. With new flooring, paint and tons of space, this might just be the one!
Gorgeous home in Coveted Lake Royale Resort community! This beautiful Ranch home boasts many wonderful upgrades! Sitting on a corner lot nestled on half an acre with a fu...
Stunning all-brick ranch plan in highly desirable Blackstone Village subdivision. This three bedroom, two bathroom home sits on a stunning .0.57 lot with a backyard that ...
3 bedrooms, 2.5 bath home on gorgeous 4.75 acres. Only minutes to Pittsboro. Easy access to Triangle area. Also includes a two-bedroom/one bath singlewide. Live in one an...
$325,000 & $5,000 Closing cost + Home Warranty ! A 1908 sf Brick RANCH w/ 487sf HEATED / Ac by HVAC vents + WOOD STOVE in unfinished BASEMENT that has inside and ou...
This two-story 3-bed, 2.5-bath home will take your lifestyle to the next level. The open floor plan allows you to move easily from the kitchen to the breakfast area and l...
Adorable new construction 1534 sf spacious cottage with rocking chair front porch covered with a custom pergola. Warm wood tones enhance this modern white/black farmhous...
Beautiful Mid Century modern Ranch design by Lilium Homes. Open floor plan with large kitchen with center island. Family room has built in shelves and opens to large c...
Pristine 3/2 ranch home w/ 2 cg, in beautiful gated Lake Royale! This home recently appraised for MORE THAN LIST PRICE! Walk into INSTANT EQUITY! Brand new w/ stainless...
Move-in Ready! Open Floorplan w/FIRST FLOOR FLEX ROOM! Refrigerator/ Washer & Dryer INCLUDED! Kitchen: White Shaker Cabinets w/Crown Trim, Granite Countertops, Large Cent...
Move-in Ready! Open Floorplan w/FIRST FLOOR FLEX ROOM! Refrigerator/ Washer & Dryer INCLUDED! Kitchen: White Shaker Cabinets w/Crown Trim, Granite Countertops, Large Cent...
Custom built home in the wonderful, gated community of Lake Royal. Come home to this beautiful open floor plan. Enjoy the upgraded features of this almost new home such a...
The first floor of this 3-bedroom home showcases a large living room with a cozy dining area and a gorgeous kitchen. Each of the generously sized bedrooms are located on ...
Move-in Ready! Open Floorplan w/FIRST FLOOR MASTER! Refrigerator/ Washer & Dryer INCLUDED! Kitchen: White Shaker Cabinets w/Crown Trim, Granite Countertops, Large Center...
2.75% ASSUMABLE FHA LOAN! Amazing opportunity to purchase this delightful single-story home, offering endless possibilities! Nestled in a serene and established neighborh...
Discover serene living in this ranch-style home nestled within a private lake gated community on an almost flat lot. Enjoy abundant natural light and open space under vau...
Charming Lake Royale gated community offers this all brick Ranch style 3 bedrooms with 2,5 bathrooms, floor plan lay out features formal living and dining room areas, spa...
One of a kind home, seamlessly merges the rustic allure of a log cabin with the spaciousness of a ranch-style layout. Set on a sprawling 1.25-acre lot, this property come...
This 4-bed home Located on a beautiful corner lot has a spacious and airy feel that has been designed with your needs in mind. The large kitchen is open to the dining are...
NEW PRICE!!JUST WHAT YOU'VE BEEN WAITING FOR!! Highly Sought After Ranch Plan with A View of Beautiful Lake Royale! NEW ROOF Just Installed! Sunroom Has Tongue & Groove C...
This 4-bed home Located on a beautiful corner lot has a spacious and airy feel that has been designed with your needs in mind. The large kitchen is open to the dining are...
This 4-bed home Located on a beautiful corner lot has a spacious and airy feel that has been designed with your needs in mind. The large kitchen is open to the dining are...
Welcome to this beautifully renovated 4-bedroom, 2-bath home where modern comfort meets timeless charm. This home features luxury vinyl plank flooring throughout the firs...
New Construction Custom Designed and Built in gated resort community of Lake Royale. Modern one story living at it's finest with many custom features not included by oth...
Step into the epitome of elegance and modern comfort in this stunning residence, where over half an acre of landscaped grounds surrounds you. Ascend just 4 steps to the ...
Custom-built by Ken Harvey Homes! This thoughtfully designed home offers wide plank, waterproof, and scratch-resistant luxury vinyl plank (LVP) flooring throughout the ma...
Proposed Semi-Custom Construction! The Bayside* 3BR / 2BA ranch plan features bright open floorplan with large great room overlooking kitchen and dining nook, convenient...
The first floor of this 3-bedroom home showcases a large living room with a cozy dining area and a gorgeous kitchen. Each of the generously sized bedrooms are located on ...
MOVE IN READY! Fabulous Ashton Glen neighborhood! Ranch plan with 1400+ sqft, 1 car front entry garage, partial brick front, & a covered front porch. Lots of updated item...
Discover the ultimate blend of luxury and tranquility in this new construction masterpiece nestled within an exclusive private community. Escape the ordinary and step int...
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