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.
This charming ranch home located in the Lake Royale community is waiting for you. This house features 3 bedrooms and 2 full bathrooms. Spacious living room and a separat...
Nicely updated 3-bedroom, 2-bath home situated on a .44-acre lot in peaceful Rougemont. Features include a 2-car carport, storage shed/workshop, solar panels, a whole-hom...
4284 NC 56 Hwy E is a one-story Louisburg home with three bedrooms, one full bathroom, and a half bathroom across 1,103 square feet. Built in 1983, the home has a kitchen...
MOTIVATED SELLER!! !!OFFERING UP TO $4000 TOWARDS BUYER CLOSING COSTS!! WELCOME to this charming, classic home which sits on over an acre in Timberlake!! This property ...
Bring your vision and make this home your own! This solid 3-bedroom, 2-bath home is full of potential and offers a wonderful opportunity for someone ready to roll up thei...
This beautifully updated brick ranch home features new engineered wood floors throughout the main living areas and plush new carpet in the bedrooms. The kitchen has been ...
Welcome to one of Lake Royale's most unique settings. 150 Big Horn Cove sits on a rare peninsula lot with water on three sides, giving you the kind of natural privacy tha...
This property offers 2.67 acres of land that you could build your dream home on. Well and septic already in place. Great location close to I-85. There is a house on the p...
!! BACK ON THE MARKET DUE TO NO FAULT OF THE SELLERS!! MOTIVATED SELLERS!! Welcome home to this ONE-OWNER, well-maintained 3-bedroom, 2-bath residence, perfectly posit...
Updated rustic 2 bedroom, 2 bathrooms home in Ellington Estates II. Recent updates included in kitchen - cabinets, counters, dishwasher, microwave. New LVP floors through...
CHARM, LOCATION & INVESTMENT POTENTIAL WITHIN AN HOUR OF RALEIGH AND DURHAM! This 4-bedroom, 2-bath brick home offers a rare combination of character, space, updates, and...
Enjoy country living at its best! This low-maintenance brick ranch-style home sits on a spacious one-acre lot, offering the perfect blend of comfort and independence. Wel...
Seller offering concessions! Affordable AND located only 3 minutes to downtown Pittsboro?? It really doesn't get better than this! This charming 2 bedroom, 1 bath home is...
One level brick ranch on nearly an acre with updates already completed. The remodeled kitchen features granite countertops, modern finishes, updated cabinetry, and a func...
Looking for room to breathe without sacrificing convenience? Welcome to **44 Sutton Road**! Nestled on approximately 2 acres, this property offers the space you've been s...
Motivated Seller! Don't miss this opportunity to own a beautiful home in the gated Lake Royale community. This charming 3-bedroom, 2-bath ranch offers the ease of one-le...
BUYER INCENTIVE WITH ACCEPTED OFFER! REACH OUT TO LISTING AGENT FOR MORE INFORMATION! Have you been looking for a renovated house on a large wooded lot in a fantastic loc...
Welcome to 4148 Forest Court in Oxford, NC! Nestled on a spacious cul-de-sac lot, this well maintained home offers privacy, accessibility, and peaceful surroundings. The ...
Brand-new one-story ranch by Family Building Company, a Triangle-based builder known for attractive, low-maintenance homes built with durable materials and thoughtful fin...
There's a version of homeownership most people only dream about: a house with real age and real character, built back when craft actually meant something, and not a singl...
Lakefront Living at Its Best! Yes -- Lakefront! Welcome to your waterfront retreat in the gated community of Lake Royale! This beautifully maintained, fully furnished pa...
$255K for 1568 SF, 3 BR, 2 Bath home at 602 Coggeshall! 2026 Improvements: Totally Painted inside; Refinished WOOD Flrs in LR, hall, 2 Bedrms, new vinyl flooring in DR, K...
Enjoy country living with convenient access to downtown Oxford. Set on 1.8 acres with peaceful pond views from the large deck, this property offers room to spread out, ...
Discover the perfect blend of comfort, lifestyle, and value in this beautifully updated home located in the sought-after gated Lake Royale community. Whether you're searc...
***Presale Opportunity! *** Welcome to Harmony Woods, a new rural community in Franklin County featuring spacious homesites and affordable new construction. This proposed...
Welcome home to this well-built 3-bedroom, 2-bath brick ranch, thoughtfully constructed in 1965 with the quality and character that stand the test of time. Beautiful hard...
Welcome to 476 Shawnee Drive, where comfortable one-level living meets the relaxed Lake Royale lifestyle! This inviting 3-bedroom, 2-bath ranch features a bright, open fl...
Charming 3-bedroom, 2-bath home in a desirable gated lake community. Welcome home to this beautiful 3-bedroom, 2-bath residence located in a sought-after gated community ...
Tucked within the gated community of Lake Royale, 141 Ottawa Drive offers more than just a home--it delivers a quiet rhythm of life shaped by water, woods, and wide Carol...
Welcome to 108 Justice Street in Louisburg! This beautifully updated ALL BRICK RANCH offers 3 bedrooms, 2 full baths, and sits on two combined lots totaling .31-acres, pr...
Situated on a beautiful 4+ acre lot with a private pond, this property offers endless potential and a peaceful setting. Being sold as-is, the home will benefit from some ...
Whether you are looking to downsize, need easy one-level living, or want the perfect starter home, this is it! Priced at only $275,000, this beautifully updated retreat i...
Downtown Oxford. Offering more than 4,000 square feet of living space, this property presents a rare opportunity to own a true piece of Oxford history while adding your o...
Beautiful, brand new and spacious manufactured home on 1.25 acres less than 15 min. from downtown Oxford. No HOA and no restrictions! Boasting 4 bedrooms and 2.048 sq. ft...
Rare opportunity at this price point! This well-maintained, move-in-ready ranch is nestled on a private ½-acre lot, offering the perfect blend of comfort, privacy, and tr...
Beautifully maintained 3 bedroom, 2 bath home located in peaceful Louisburg! This home features a bright and open floor plan with spacious living areas and plenty of natu...
$285K + $5,000 CLOSING COST for Historic CRAFTSMAN Bungalow located in Oxford's Peaceful Downtown Area near $500K - $900K Older Homes. 2,165 SF Provides One Story Living...
Discover this charming three-bedroom, two-bathroom home situated on 1.46 acres in Louisburg, NC. Located outside of a subdivision, the property offers privacy, flexibilit...
Set slightly above the street in downtown Louisburg, 408 E Nash Street blends early-1900s character with fresh, move-in-ready updates and plenty of opportunity for its ne...
Better-Than-New Ranch in The Meadows at Oxford Come see this beautiful better-than-new ranch home located in the desirable Meadows at Oxford community! This barely liv...
Welcome home to peaceful country living with room to spread out! Situated on a spacious 1 acre lot with no HOA, this charming 4-bedroom, 2-bath home offers the perfect bl...
114 Cherokee Dr. is an updated easy living ranch home with a brand new roof as of August 2026, tucked into the gated Lake Royale subdivision of Louisburg. See documents f...
Welcome to easy one-level living in the gated Lake Royale community! This 3-bedroom, 2-bath ranch offers 1,427 square feet with an open floor plan designed for comfortabl...
We're putting the final touches on this home as it gets ready for market, with measurements, fresh cuts and professional photos scheduled over the next couple of weeks. I...
**Charming Ranch Home Near Downtown Oxford, NC** Welcome home to this well-maintained **1,278 sq. ft. ranch-style residence** featuring **3 bedrooms, 2 full bathrooms**,...
5501 Wagon Farm Rd is a single-story Efland home built in 1998 set on a spacious lot of roughly one acre surrounded by mature trees. The kitchen features white cabinetry,...
Price Improvement again ..Come back for another look.. Discover a harmonious blend of vintage charm and modern potential at 206 Edgewood Dr. This four-bedroom, three ful...
YOU HAVE TO SEE THIS ONE. Enjoy this one level home on level lot and country living. NEW IN 2025: New Roof complete with gutters and NEW A/C. It's easy to call this on...
Brand-new construction, two private primary suites - BOTH WITH DOUBLE VANITIES - 4 bedrooms, 3 full baths, garage, outdoor space, and the lake less than a block away. Rea...
Discover comfort, style, and simplicity in the Aaron at The Meadows at Oxford. This thoughtfully designed one-story home offers three spacious bedrooms, two full bathroom...
PRICE IMPROVEMENT! Timeless charm meets everyday comfort in this classic brick ranch nestled in Green Acres! Situated on approximately 0.36 acres in Oxford, this 1,900+ s...
Discover comfort, style, and simplicity in the Aaron at The Meadows at Oxford. This thoughtfully designed one-story home offers three spacious bedrooms, two full bathroom...
Move-in ready - March Close! True Ranch w/Open Floor Plan! Refrigerator/ Washer & Dryer INCLUDED! Kitchen: White Shaker Cabinets w/Crown Trim, Granite Countertops, Large ...
Welcome to 26 Danbury Ct. In fast growing Pittsboro NC, this home is convenient to downtown, shopping and dining. This is a McNeill Burbank home, a well respected Triang...
Great opportunity! seller is offering up to $5000 in closing cost assistance with acceptable full price offer Situated on nearly half an acre in a cul-de-sac, this two-s...
Peaceful country living on 5.05 acres in Cedar Grove! This well-maintained 3-bed, 2-bath manufactured home (1,411 sf) blends privacy with modern updates. The open living/...
To be built! Welcome to the Roxbury home plan at Griffin Farm Townes by Ryan Homes in Pittsboro, NC. This luxury townhome includes a 1-car garage and is situated on a woo...
Nestled in a quaint Timberlake, NC location, this adorable 3-bedroom 2 bath home at 180 Dandelion Lane, Timberlake, NC 27583 features a wonderful setting with a fenced-in...
This is the one you've been looking for! A well-maintained 3-bedroom, 2-bath ranch home situated on a desirable corner lot in Creedmoor. With a roof installed in 2020 an...
Discover comfort, style, and simplicity in the Aaron at The Meadows at Oxford. This thoughtfully designed one-story home offers three spacious bedrooms, two full bathroom...
A fireplace creates a warm focal point at 2568 Wilton Ave, Creedmoor NC 27522, positioned for straightforward commuting into Raleigh, Durham, and Research Triangle Park. ...
Welcome to Lake Royale living! This beautifully maintained 3-bedroom, 2-bath home, built in 2021, offers the perfect blend of comfort, style, and value. Enjoy an open-con...
This home has a large yard to enjoy summer days. The Blanco has an incredible, open-concept layout. The family room is open to the kitchen and dining room creating the pe...
This home has a large yard to enjoy summer days. The Blanco has an incredible, open-concept layout. The family room is open to the kitchen and dining room creating the pe...
This home has a large yard to enjoy summer days. The Blanco has an incredible, open-concept layout. The family room is open to the kitchen and dining room creating the pe...
Discover 307 Punch Hill Farm Road, where peaceful one story living, nature, and room to breathe come together on over an acre in Rougemont. This inviting 3 bedroom, 2 bat...
Motivated Sellers!! Wonderful corner lot home in sought after Golden Pond. This home is just what you are looking for and waiting for you to make it your own. Sellers rec...
Listing UPDATE: $3000 Seller credit towards closing cost!!! Welcome to your DREAM home! Move in ready! Beautiful ''Chest Nut'' plan, ranch style. It has everything you ar...
Ranch style home with 3 bedrooms, 2 bathrooms & a huge Fenced in Backyard. Open floor plan w/large Living Room open to the Kitchen & Dining area. The Kitchen has granite ...
New Paint. New Carpet. Large Lot. No HOA. Move in ready! Welcome home to this well-maintained property offering fresh updates and move-in ready convenience. Featuring n...
Home comes with the Move-In Package which includes the refrigerator, washer, dryer and blinds throughout! Welcome to the inviting Retreat floor plan offers a perfect blen...
Adorable 1900+ Sqft bungalow style home on a 0.70 acre lot inside the city limits of Creedmoor! Convenient access to I85 to Durham/RTP and Hwy 50 to N. Raleigh! Fresh pai...
This beautiful two-story house features 3 bedrooms, 2.5 bathrooms, and a thoughtfully designed floor plan that blends comfort and functionality. The spacious main level o...
* 9/2026* Carpet & affected subfloor were replaced to address prior pet odors.** Nearly 2 Acres | Major Updates | Fenced Backyard | Spacious Bonus Room Nestled on ...
Welcome to this beautiful ranch home in the desirable Golden Pond community, offering neighborhood amenities including a playground, picnic shelter, ballfield, and scenic...
Nestled on a sprawling, serene one-acre wooded lot right in the heart of Louisburg, this beautifully renovated three-bedroom, two-bathroom ranch-style home perfectly blen...
Home comes with the Move-In Package which includes the refrigerator, washer, dryer and blinds throughout! Welcome to the inviting Retreat floor plan offers a perfect blen...
*** PRICE REDUCED 05/07 *** Welcome to the coveted Maluli Drive -- an all-brick ranch that perfectly blends charm, space, and convenience. Ideally located just minutes fr...
Nestled within Foxcroft in Timberlake, North Carolina, 36 E Foxwood Drive blends classic charm with refined modern living, featuring a welcoming white picket fence, a cov...
Welcome home to 606 Rhino Bend -- where comfort, convenience, and easy one-level living come together beautifully. Built in 2024 and better than new, this thoughtfully up...
Brand-new construction by Family Building Company, a Triangle-based builder known for attractive, low-maintenance homes built with durable materials and thoughtful finish...
Discover comfort, style, and simplicity in the Ashe at The Meadows at Oxford. This thoughtfully designed one-story home offers three spacious bedrooms, two full bathrooms...
Discover comfort, style, and simplicity in the Ashe at The Meadows at Oxford. This thoughtfully designed one-story home offers three spacious bedrooms, two full bathrooms...
Back on the market! At no fault of the seller! Welcome to this like-new 3-bedroom, 2-bath home in Louisburg, NC, perfectly situated on a beautiful lot that offers privacy...
This adorable Cedar Cabin is looking for a new owner! A great starter home, or could be a great investment for a rental. New roof in 2025, New HVAC installed in 2024. Pr...
Unbeatable value meets move-in-ready perfection in The Meadows at Oxford. Enjoy premium, updated finishes while saving $30,000+ compared to new construction in the commun...
Open Floorplan w/FIRST FLOOR FLEX ROOM! Refrigerator/Washer & Dryer INCLUDED! Kitchen: White Shaker Cabinets w/Crown Trim, Granite Countertops, Large Center Island w/Brea...
Don't miss the opportunity to own this nearly 1.5-acre property in a fantastic location. The expansive backyard offers endless possibilities--perfect for entertaining, ga...
Price reduced! Take advantage of a great deal this fall and move in to to 230 N Ridge Drive where outdoor paradise meets indoor comfort. Find the perfect deck overlooki...
Looking for space and convenience? Welcome to this six-bedroom, 2.5-bathroom single-family residence located in Louisburg, NC. This beautiful home has been freshly paint...
Welcome to this charming three-bedroom, two-bathroom single-family residence nestled in Shannon Village, Louisburg, NC. This home sits on a generous 13,068 square-foot lo...
Welcome to 121 Santee Drive in the gated Lake Royale community! Situated on a spacious 0.91-acre lot, this well-maintained modular home offers 3 bedrooms and 2 full bathr...
Welcome to 2656 Bowden Dr, a well-maintained 3-bedroom, 2-bath ranch home offering comfortable living spaces, desirable features, and plenty of room to enjoy both indoors...
Privacy, acreage, and recent updates! This 3-bedroom, 2-bath home offers approximately 1,600 sq ft, plus a versatile 4th flex room that could be used as an office, playro...
Wonderful 1970s home full of character and space! This property offers 4 bedrooms and 3 full baths, along with a large family room featuring a cozy fireplace. Enjoy relax...
Welcome home to this move-in-ready ranch situated on a spacious corner lot of over 1.25 acres in the gated Lake Royale community! Built in 2004, this well-maintained 3-be...
544 Shawnee Dr is a single-story Louisburg home set on a wooded lot. The kitchen centers on an island with stainless steel appliances, a tile backsplash, and generous cou...
Welcome to this inviting 4-bedroom, 2-bathroom single-family home nestled in the desirable Shelton Hills community of Oxford, NC. Set on an impressive 90,169-square-foot ...
Great Buyer Incentive Available! The seller is offering ONE money-saving options—choose the first OR second options that works best for you: 1.- 0.50% Interest Rate Bu...
VA ASSUMABLE LOAN at 3.25% for qualified buyers. Welcome to this beautifully maintained ranch home where comfort, style, and thoughtful upgrades come together effortlessl...
Listings provided courtesy of Triangle MLS, Inc. of NC, Internet Data Exchange Database. Information deemed reliable but not guaranteed. © 2026 Triangle MLS, Inc. of North Carolina. Data last updated .