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.
Opportunity knocks with this 3-bedroom, 2.5-bath home located in the sought-after, gated lake and golf community of Lake Royale. This property is in need of significant r...
Welcome to 5503 Antioch Rd, a property that exudes charm and functionality. The heart of this home is undoubtedly the kitchen, boasting an accent backsplash that adds a t...
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...
Welcome to 108 Edwards Drive in Louisburg, NC SELLER TO OFFER 3,000 in closing costs!! New New New! Move-in ready and beautifully updated, this Louisburg home sits on o...
WELCOME to this charming, classic home which sits on over an acre in Timberlake!! This property offers a blend of character, usable space, and everyday convenience! Its ...
Welcome to your private retreat in the gated community of Lake Royale, where this beautifully positioned home sits on a rare peninsula lot surrounded by water views and n...
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...
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...
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 the perfect starter home. It...
Beautiful ranch style home located in the gated community of Lake Royale in Louisburg. This 3 bedroom, 2 bath home offers comfortable living spaces with an open floor pla...
!! BACK ON THE MARKET DUE TO NO FAULT OF THE SELLERS!! Welcome home to this ONE-OWNER, well-maintained 3-bedroom, 2-bath residence, perfectly positioned on a serene 1...
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...
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...
Updated rustic 2 bedroom, 2 bathrooms home in Ellington Estates II. Recent updates included in kitchen - cabinets, counters, dishwasher, microwave. New LVP floors through...
Welcome home to 106 North Valley Drive--a serene retreat in charming Louisburg, NC! This 3-bedroom, 2-bath residence perfectly blends comfort, style, and modern convenien...
Welcome to this move-in ready 3-bedroom, 2.5-bath home featuring an open and inviting layout with vaulted ceilings. The spacious kitchen offers granite countertops, ample...
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...
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...
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...
$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...
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...
**5,000 in closing cost assistance with acceptable offer** Opportunity awaits in Efland! This classic ranch-style home, built in 1971, offers 3 bedrooms, 1 bath, and sits...
Full of Potential in Golden Pond! PRICED BELOW tax value! This traditional 2-story home offering over 1,500 sqft is ready for its next chapter. With a some TLC, it presen...
Charming opportunity in the heart of Efland! This home offers a solid footprint with strong potential for homeowners or investors seeking value in a growing Orange county...
Motivated Sellers READY to review ALL offers! The property is priced below market for a QUICK SALE! Lake Royale Living! Charming 3BR Ranch with Privacy, Community Ame...
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...
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...
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...
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 ...
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...
Whether you're searching for a place to create your dream homestead or your next investment opportunity, this Cedar Grove property is full of potential and waiting for th...
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...
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 ...
A well appointed custom home with granite and tile backsplash in the kitchen, stainless steel appliances, granite counter t ops and tile in the bathrooms, custom wood sh...
Welcome to your serene retreat in the heart of Rougemont, North Carolina! This charming three-bedroom, two-bathroom home offers a perfect blend of comfort and tranquility...
Move-in ready and full of thoughtful updates, this charming home in the heart of Creedmoor, North Carolina offers comfort, functionality, and convenience. Recent improvem...
114 Cherokee Dr. is an updated easy living ranch home tucked into the gated Lake Royale subdivision of Louisburg. See documents for specific details! Its 3 bedrooms and 2...
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, ...
Enjoy resort-style living in the gated Lake Royale community! Nestled among mature trees on nearly half an acre, this charming 3-bedroom, 2-bath ranch features over 1,600...
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 to 102 Pineview Drive in the North Pointe community of Louisburg! This beautifully remodeled 3-bedroom, 2-bath ranch offers 1,793 square feet of move-in ready l...
Welcome Home to 104 Kiowa Cove - Lake Royale Living at Its Finest! Nestled in the highly desirable gated community of Lake Royale, this beautifully maintained 3-bedroom,...
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...
Welcome to Lake Royale, a private, gated lakefront community where every day feels like a retreat. This beautiful log-cabin-style home offers the perfect blend of comfort...
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 ...
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...
Beautifully updated two-story home featuring 3 bedrooms and 2.5 bathrooms with approximately 1,700 sqft of living space. Recently painted throughout and offering renovate...
Beautiful ranch style home located in the gated community of Lake Royale in Louisburg. This 3 bedroom, 2 bath home offers comfortable living spaces with an open floor pla...
Welcome to 105 Buck Ridge Road in Louisburg, NC — a brand-new 2026 Champion-built luxury manufactured home situated on nearly one acre of land, offering the perfect combi...
Attention investors, contractors, builders, and fix-and-flip buyers — opportunities like this do not come around often! Located in the gated community of Lake Royale, thi...
Fantastic opportunity to get into this Craftsman Style Home in Powell Place! Hardwood floors, tile and Certified Green Building practices! 42'' cabinets, SS applicances ....
Welcome to Lake Royale living! This 3 bedroom, 2.5 bath home provides comfortable spaces, modern updates, and access to an amenity-rich lake community. Inside, you'll fin...
Price Improvment.. Discover a harmonious blend of vintage charm and modern potential at 206 Edgewood Dr. This four-bedroom, three full-bathroom home offers a lifestyle of...
Price Improvement: Now $309,900! Don't miss this incredible opportunity to own a beautiful home that qualifies for USDA 100% financing. Ask about up to $15,000 in down pa...
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...
Beautiful 3-bedroom, 2-bath home located at 110 Quarterhorse Dr in Louisburg, NC! This home features a spacious layout with a versatile den perfect for an office, playroo...
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 ...
PRICE REDUCED!! GATED COMMUNITY ON 345-ACRE LAKE!! This Open Ranch plan offers 3-bedrooms, 2-bathrooms and an office! Located on a quiet cul-de-sac in Lake Royale this...
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...
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...
Nestled on a beautifully landscaped 1.98-acre lot within the city limits of Oxford, this sprawling ranch-style home offers a rare combination of privacy, space, and conve...
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...
Lovely craftsman-style ranch style home located in the sought-after Lake Royale community! This charming home offers an open floor plan with hardwood floors throughout an...
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...
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...
*** 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...
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 recently installed vapo...
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...
Schedule a showing for this two-story craftsman style home with an open concept, quartz countertops, and carpeted upstairs for the bedrooms. Easy setup for smart home fea...
** MOTIVATED SELLER!!** Nestled on nearly 2 private acres, this property offers the perfect blend of peaceful country living and everyda...
Welcome to this beautiful ranch home in the desirable Golden Pond community, offering neighborhood amenities including a playground, picnic shelter, ballfield, and scenic...
Unbeatable value meets move-in-ready perfection in The Meadows at Oxford. Enjoy premium, updated finishes while saving $20,000+ compared to new construction in the commun...
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...
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...
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...
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...
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...
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...
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...
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 ...
Welcome home to this lovingly maintained and thoughtfully updated retreat, nestled on over an acre in one of the area's most established rural communities. From the momen...
Welcome home to this beautifully designed open-concept floor plan featuring a versatile first-floor flex room, perfect for a home office, playroom, or guest space! Refrig...
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 ...
Welcome home to this beautifully designed open-concept floor plan featuring a versatile first-floor flex room, perfect for a home office, playroom, or guest space! Refrig...
Welcome home to this inviting 4-bedroom, 2-bath residence offering a desirable open-concept floor plan designed for comfortable everyday living and effortless entertainin...
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...
Step outside and imagine ending your day with nothing but the sounds of nature around you. Set on 1.26 acres in Timberlake, this one level ranch offers the space to slow ...
Welcome to this beautifully maintained, one-owner home featuring 4 bedrooms and 2 bathrooms, offering plenty of space for comfortable living. This property has been lovin...
Located within the Lake Royale community, this beautifully designed 3-bedroom, 2-bathroom home offers a bright and inviting open-concept layout with 9-foot ceilings throu...
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...
Custom-Built true RANCH plan by Ken Harvey Homes in Lake Royale--a private, gated resort community with boating, beaches, fishing, clubhouse, swimming pool, sports courts...
Welcome to Creedmoor living! This charming 4 bedroom, 2 bathroom home offers 1,925 square feet of comfortable living space on a spacious lot in the desirable Wynngate com...
Welcome to this beautifully renovated 4-bedroom, 2-bath home in the heart of Creedmoor! Featuring stylish LVP flooring throughout, this move-in ready property offers mode...
Priced to sell! This 3-bedroom, 2-bath ranch offers 1,570 sq ft of comfortable living space on a 0.27-acre lot. Formal dining room, flat-surface countertops, a cozy gas f...
Fresh interior paint!! This charming ranch-style home offers comfortable, one-level living with three bedrooms and two full bathrooms. Inside, you'll find a blend of carp...
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 .