Charlotte Homes for Professionals
Charlotte MLS listings and Charlotte real estate
Featured Listings
First Time Home Buyer Charlotte NC
Home Finder Request Form
New homes in Charlotte NC, Home builders Charlotte Nc
Active Adult Community Charlotte Nc, Senior and Retirement Living Charlotte
Charlotte Real Estate Investment Guide
Charlotte USDA Homes
Charlotte Luxury Homes
Charlotte Golf Communities
9 Mistakes Home Buyers Make And How To Avoid Them
Charlotte homebuying resources
CMA Request
FSBO Charlotte, For sale by Owner Charlotte
Seller Contact request
Neighborhood Sales Data
Preparing Your Home
14 Costly Mistakes When Selling
Foreclosure Solutions
Selling your home in Charlotte
Relocating to Charlotte NC, Moving to Charlotte NC
About Charlotte
Our Team of Professionals
Contact The Pruitt Group, Keller Williams Charlotte
Mortgage Qualification Calculator
Rent Vs. Buy Calculator
Mortgage Payment Calculator w/Amortization
Tax Benefits Calculator
Charlotte area resources, Charlotte Nc info, Charlotte visitors guide
Free Reports
Mortgage Application
Down Payment Assistance
Order Your Credit Report
Charlotte Real Estate news, Charlotte NC local news

Free Seller eBook

 USDA Charlotte Homes for Sale 

There are several suburban Charlotte USDA communities offering some of the most luxurious and desirable locations, neighborhoods and lifestyle amenities available in metro Charlotte.  Experience a relaxed lifestyle, great shopping, and excellent schools.  These USDA Charlotte suburbs are great places to raise a family. 

Just to name a few, there are many USDA areas in Charlotte which include upscale USDA communities in Waxhaw NC, USDA homes for sale in Lake Norman NC, USDA homes for sale in Lake Wylie SC, USDA homes for sale in Union county NC, USDA homes for sale in Fort Mill SC, USDA homes for sale in Indian Land SC, USDA homes for sale Concord NC, USDA homes for sale in Gaston county NC and even homes for sale in Huntersville NC.  And we didn't even mention the USDA Monroe NC, USDA Denver NC, or USDA Iredell NC areas!  All of these areas represent some of the best suburbs in Charlotte.

While there are too many Charlotte area USDA approved homes for sale and USDA neighborhoods in Charlotte to list them all, you can search USDA homes for sale in Charlotte here.  We have compiled active MLS listings of USDA eligible homes for sale in Charlotte NC within various USDA home loan areas in Charlotte NC and have featured just a sample of available USDA properties in Charlotte NC area to search for homes in the sections below.  But please be advised that there are many more USDA homes NC we can assist you with!

If you are interested in Charlotte North Carolina USDA homes and living the suburban Charlotte Lifestyle with the added benefit of a NO DOWN PAYMENT USDA 100% home loan in Charlotte NC, please complete the form below.  You will be subscribed to receive our FREE USDA property alerts with the most comprehensive list of Charlotte USDA properties and Charlotte USDA neighborhoods in the area.  Contact us today for a current list of Charlotte NC USDA properties for sale.



Featured Gaston County NC USDA Homes for Sale  



 USDA Rural Development Housing Guaranteed Loan Program  

There are thousands of available USDA homes for sale in Charlotte and Charlotte NC suburbs. We specialize in Charlotte USDA homes for sale through the USDA home loan program. We have all the resources to help you find USDA Charlotte NC homes for sale in several USDA suburban communities in Charlotte.

The USDA Program Charlotte is one of the few remaining zero-down loan programs which offers 100% financing. The USDA guaranteed home loan program is a government-backed housing loan similar to the more widely-used FHA home loan. The purpose is to assist low to moderate income homebuyers by offering a no down payment loan alternative to eligible homebuyers to purchase USDA eligible homes for sale. USDA communities in Charlotte NC offer some of the finest suburban homes in Charlotte NC.

If 100% financing with no down payment is not enough of a benefit for you, there are other great features of the USDA Guaranteed Housing Program in Charlotte NC:

Flexible credit guidelines. Non-traditional credit histories are acceptable.

Very low PMI rate compared to FHA and low interest rates

No maximum purchase price!

Gift funds, grant funds and seller concessions are allowed to cover closing costs

Not limited to first time buyers only!

Buyer can currently own a home in some cases if the new home will be located outside specified commuting distance, i.e., in a different state...buyer can qualify for 100% financing!

Higher debt-to-income ratios with compensating factors  



 Charlotte NC USDA Rural Development Loan Program Overview  
There are three primary requirements of the Charlotte NC USDA Guaranteed Rural Housing Loan program:

Home must be located in one of the eligible Charlotte NC suburbs that qualifies as a USDA home loan area. 

See USDA homes maps of eligible Charlotte suburban communities of homes that qualify for USDA home loan program in Charlotte NC area.

USDA income limits for household must not exceed income limits for the Charlotte NC Metropolitan Statistical Area (MSA)

Home must be owner-occupied primary residence, and not for business income-producing activities


If you are interested in living the Suburban Charlotte Lifestyle with the added benefit of NO DOWN PAYMENT USDA 100% financing home loan in Charlotte NC, please complete the form below. You will be subscribed to receive our FREE USDA property alerts with the most comprehensive list of Charlotte USDA properties and Charlotte USDA neighborhoods in the area. Contact us today for a current list of Charlotte NC USDA properties for sale.



 USDA Home Loan Program Income Requirements in Charlotte NC 

See if your family meets the USDA 100% financing program requirements for family income limits for USDA approved homes in Charlotte. View the first video below to see how you qualify for USDA home loan program Charlotte NC Real Estate.  Also, the table below shows the current 2012 income limits for USDA home loans in Charlotte NC area:


1- 4 Person

5 or More

Charlotte-Gastonia-Rock Hill, NC-SC MSA



Iredell County, NC



Lincoln County, NC



To determine USDA income limits in Charlotte or if homes in Charlotte suburbs or Charlotte NC subdivisions are eligible for USDA 100% financing, refer to our helpful Charlotte USDA property lookup tool to determine property eligibility.  View video for navigation tips.

Or to find out if your family qualifies to purchase any of these fabulous USDA homes in Charlotte, please complete our Online Application and we'll get the ball rolling on your path to homeownership.

Related Links:

USDA Eligibility maps for Charlotte NC

USDA Charlotte Loan Requirements

Apply for USDA loan 


We are USDA housing experts in Charlotte NC and make buying USDA homes in Charlotte NC easy!  If you would like more information about the USDA home loan down payment assistance program in Charlotte or would like to receive free USDA Property Alerts, please fill out the form below and we'll have one of our qualified professionals contact you.

If you would like more information about USDA homes NC and USDA communities in Charlotte, or information about the USDA loan program in Charlotte, please complete the form below and we'll have one of our qualified professionals contact you.  We will explain and simplify the USDA Eligibility Requirements for Charlotte NC.

Need to know which USDA homes qualify for 100% financing?  We have the most comprehensive USDA Charlotte NC property search available in the Charlotte real estate market.  Contact us now!

* indicates a required field
Site Mailing List 

8310 University Executive Park Dr., Suite 530
Charlotte, NC 28262
Phone: (704) 608-2794
Email: info@CharlotteHomes4Professionals.com

charlotte realtors

Derhyl Pruitt is the sole owner of the information collected on this site. Derhyl Pruitt nor the team associates will sell, share, or rent this confidential information to others. Your privacy is the primary issue for Derhyl Pruitt. 


By submitting personal information such as name, address, phone number, email address and/or additional data, the real estate client/prospect consents that Derhyl Pruitt or his authorized representative may contact client/prospect by phone, U.S. Postal System, or e-mail whether or not client/prospect is participating in a state or federal or other "do not contact" program of any type

Copyright© Derhyl Pruitt, REALTOR®, All Rights Reserved.

Site Powered By
    Online web site design