Charlotte NC area USDA Program

The USDA home loan program use to be one of the most utilized homebuyer programs in the Charlotte NC area. With it’s no PMI and no money down option, it’s clear why first-time homebuyers as well as move-up buyers used the USDA Mortgage as their #1 choice to purchase a home.

In order for a property to be eligible for USDA, it must be located in a rural area. Until the recent USDA Map Update, this was never an issue in the Charlotte area. In fact, there were homes located in Mecklenburg County that were eligible for the USDA Program.

If you are a buyer with a desire to purchase a home in Charlotte or any surrounding counties using this loan product, you may be disappointed with the recent map update. See map below.
All the shaded areas are areas that do not qualify for the USDA Program.  As you can see, the non shaded areas are pretty far out.

If you desire to know more about the USDA Mortgage Loan, please call 704-965-3319 or email me at

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