USDA Loans in North Carolina & South Carolina

Zero Down. Real Opportunity.

Thinking about buying a home in a quiet suburb or small town in the Carolinas? A USDA loan could be your best-kept secret to getting a home with no down payment and affordable monthly payments. Backed by the U.S. Department of Agriculture, this loan is designed to make rural and suburban homeownership more accessible—especially for moderate-income buyers.

Percentage symbol for interest rate increase on pile of coins and sample house. Interest rate hikes, home loans, mortgages, home taxes. Investment and asset management concepts.

Zero Down Payment

Qualify for a mortgage without needing a down payment, making homeownership more accessible.

Miniature symbolic residence of the US President - White House and American coins and bills

Competitive Interest Rates

Benefit from low interest rates that make monthly payments more affordable for eligible rural and suburban homebuyers.

What is a USDA Loan?

A USDA loan (also known as a USDA Rural Development loan) is a government-backed mortgage program designed to help eligible buyers purchase a home in designated rural or suburban areas.

✅ No down payment required
✅ Low monthly mortgage insurance
✅ Backed by the U.S. Department of Agriculture
✅ Supports homeownership in growing communities

It’s not just for farmers or deep rural areas—many suburbs around Charlotte, Raleigh, Columbia, and Greenville are USDA-eligible.

Here's What Makes USDA Loans Unique


🌾 $0 down payment required – 100% financing available

💰 Low monthly mortgage insurance – typically lower than FHA

📉 Competitive fixed interest rates

🏡 Designed for homes in eligible rural & suburban areas

✔️ Flexible credit and income guidelines

👨‍👩‍👧‍👦 Great for first-time and move-up buyers alike

✅ No down payment required
✅ Low monthly mortgage insurance
✅ Backed by the U.S. Department of Agriculture
✅ Supports homeownership in growing communities

It’s not just for farmers or deep rural areas—many suburbs around Charlotte, Raleigh, Columbia, and Greenville are USDA-eligible.

Where Can You Use a USDA Loan in NC & SC?

In North Carolina, eligible areas include many towns and communities just outside cities like:

Charlotte (parts of Huntersville, Concord, Waxhaw, Indian Trail, and more)
Raleigh-Durham (areas like Fuquay-Varina, Clayton, Knightdale)
Greensboro, Wilmington, Asheville, and more

In South Carolina, USDA loans are common in areas surrounding:

Columbia (Lexington, Chapin, Elgin)
Charleston (Summerville, Goose Creek, Moncks Corner)
Greenville, Rock Hill, Florence, and others
We’ll confirm USDA eligibility by checking the property address for you.

Apply for a USDA Loan

Slide 1 of 3

Carolina Mortgage Brokers made the daunting process of securing a mortgage seamless and stress-free. Their expert team was always available to address my concerns and provided invaluable guidance every step of the way. I couldn't be happier with their outstanding service!

- Emily Johnson

Working with Carolina Mortgage Brokers was a breeze! Their knowledgeable team navigated the complexities of my mortgage with ease and kept me informed at every stage. I highly recommend them for anyone looking for a reliable and efficient mortgage service.

- Jason Miller

Carolina Mortgage Brokers exceeded my expectations with their professionalism and attention to detail. They simplified the mortgage process and ensured I had all the information needed to make confident decisions. Their dedication truly sets them apart!

- Michael Adams

Carolina Mortgage Brokers made the daunting process of securing a mortgage seamless and stress-free. Their expert team was always available to address my concerns and provided invaluable guidance every step of the way. I couldn't be happier with their outstanding service!

- Emily Johnson

Working with Carolina Mortgage Brokers was a breeze! Their knowledgeable team navigated the complexities of my mortgage with ease and kept me informed at every stage. I highly recommend them for anyone looking for a reliable and efficient mortgage service.

- Jason Miller

Carolina Mortgage Brokers exceeded my expectations with their professionalism and attention to detail. They simplified the mortgage process and ensured I had all the information needed to make confident decisions. Their dedication truly sets them apart!

- Michael Adams

Carolina Mortgage Brokers made the daunting process of securing a mortgage seamless and stress-free. Their expert team was always available to address my concerns and provided invaluable guidance every step of the way. I couldn't be happier with their outstanding service!

- Emily Johnson

Working with Carolina Mortgage Brokers was a breeze! Their knowledgeable team navigated the complexities of my mortgage with ease and kept me informed at every stage. I highly recommend them for anyone looking for a reliable and efficient mortgage service.

- Jason Miller

Carolina Mortgage Brokers exceeded my expectations with their professionalism and attention to detail. They simplified the mortgage process and ensured I had all the information needed to make confident decisions. Their dedication truly sets them apart!

- Michael Adams

Answers to Your FAQs about USDA Loans

Is this loan just for rural homes or farms?

No! USDA loans are for regular single-family homes in eligible areas. You don’t need to buy a farm or live far out in the country.

Can I really buy a house with no money down?

Yes! USDA loans allow 100% financing, so no down payment is required. You’ll still need money for closing costs—but we can often help you cover those too.

Can the seller pay my closing costs?

Yes. The seller can contribute up to 6% of the purchase price toward your closing costs.

Is mortgage insurance required?

Yes, but it’s much cheaper than FHA. USDA loans have a one-time upfront fee (1%) and a small monthly fee (0.35%).

Find Your Ideal Home Loan

Explore tailored mortgage solutions that fit your lifestyle and budget with Carolina Mortgage Brokers. Let us guide you through every step of the journey.