N/A Homes with USDA Loan Listing Terms

N/A Homes with USDA Loan Listing Terms

Welcome to the picturesque landscapes of North Carolina, where charming homes await your discovery! Nestled in this beautiful state, our listings feature properties that qualify for USDA loans, making it easier than ever to secure your dream home.

North Carolina is renowned for its diverse scenery, from the majestic Blue Ridge Mountains to the serene coastal beaches. This vibrant state offers a unique blend of urban conveniences and rural tranquility, perfect for families, retirees, and everyone in between. With a rich cultural heritage and a welcoming community spirit, you’ll find that life here is both fulfilling and enjoyable.

The homes available with USDA loan listings are particularly appealing for first-time buyers and those looking to settle in a friendly neighborhood. These properties are located in designated rural areas, providing a peaceful environment with plenty of space to grow. USDA loans offer significant advantages, including no down payment and competitive interest rates, making homeownership accessible and affordable.

Imagine sipping your morning coffee on a spacious porch, surrounded by lush greenery, or hosting family gatherings in a cozy backyard. Our listings feature a variety of styles and sizes, ensuring that you find the perfect fit for your lifestyle.

Explore the charm of North Carolina and let us guide you through the process of finding your ideal home. With our expertise in USDA loan listings and a commitment to exceptional service, we are here to help you turn your dream of homeownership into a reality. Start your journey today and embrace the possibilities that await you in this beautiful state!

Newest N/A Homes with USDA Loan Listing Terms

$229,900
2 Beds ⋅ 2 Baths ⋅ 100602558 MLS
Welcome to 618 N Church St, Mount Olive, NC, a charming 2-bedroom, 2-bath home offering over 1,900 square feet of living space and a rare combination of character, space, and additional acreage. Inside, you'll find beautiful hardwood floors, generously sized bathrooms, a cozy fireplace, and two separate living areas, providing plenty of flexibility for entertaining, relaxing, or creating a home office or additional gathering space. The property also features a detached building/man/woman cave, perfect for hobbies, entertaining, a workshop, or extra storage. Adding even more value, the sale includes an approximately 2.68-acre parcel located behind the home, offering additional space and possibilities for the next owner. With its spacious rooms, original character, versatile layout, and convenient Mount Olive location, this property offers an opportunity that's increasingly hard to find. Schedule your showing and come see everything 618 N Church St has to offer!

618 N Church St, Mount Olive

Listing courtesy of The Firm NC.

$449,900
3 Beds ⋅ 3 Baths ⋅ 100601306 MLS
Enjoy peaceful country living without giving up convenience! Located on Chambers Ferry Road, this charming 3-bedroom, 2 -1/2 bath home sits on approximately ¾ of an acre in a quiet rural setting, yet is just minutes from historic downtown Edenton, shopping, dining, and everyday conveniences. Inside, you'll find a comfortable and inviting floor plan with plenty of room. A sunroom provides the perfect spot to relax and enjoy views of the property, while the finished room over the attached garage offers flexible additional space for a home office, recreation room, hobby room, or guest area. Need extra storage or workspace? You'll love the double detached garage, offering even more possibilities for vehicles, a workshop, lawn equipment, or recreational toys. With a spacious lot, versatile living areas, and a location that offers the best of country living with town just minutes away, this property is ready to welcome its next owner. Come enjoy the space, privacy, and convenience this home has to offer!

926 Chambers Ferry Rd, Edenton

Listing courtesy of Welcome Home Realty NC.

$379,000
3 Beds ⋅ 2 Baths ⋅ 100601250 MLS
Space to Live, Entertain & Enjoy! Welcome home to this spacious 3-bedroom, 2-bath property situated on nearly an acre, offering plenty of room both inside and out. Designed for comfortable everyday living and easy entertaining, this home features a generous kitchen and large breakfast nook, creating a wonderful gathering place for family and friends. The primary suite is a true retreat, complete with a walk-in closet, jetted tub, and its own sitting room, perfect for a quiet reading area, home office, or simply a place to unwind. A FROG (Finished Room Over Garage) provides even more flexible living space for a home office, recreation room, guest area, hobby room, or whatever fits your lifestyle. Step outside to the screened porch, where you'll find a roughed-in outdoor kitchen area with a sink, ready to become a terrific space for cookouts, entertaining, and relaxed evenings outdoors. The large, partially fenced yard offers plenty of room for pets, play, gardening, or future outdoor projects. One of the property's standout features is the oversized driveway, providing abundant parking for guests with room for an RV, boat, or other recreational vehicles. With nearly an acre, generous indoor living areas, flexible bonus space, and outdoor features designed for enjoyment, this home offers the space you've been looking for. Come see all this home has to offer. Don't miss it!

571 Gum Bridge Rd, Elizabeth City

Listing courtesy of Sheilah Stone & Associates.

$350,000
3 Beds ⋅ 2 Baths ⋅ 100600109 MLS
Looking for a quite place to call home? Well look no further. This 3 bedroom 2 bath modular will not disappoint you. Large family room with gas logs. Home has a split floor plan, open concept. large kitchen with lots of cabinet space. Large island with solid surface. Large master bedroom with walk in closets. Master bath features a large tile shower. large laundry room with a soaking sink. Enjoy summer days and nights swimming in the pool, Or relaxing in the hot tub. Need extra storage? home comes with 2 wired outbuildings ,Smaller building is a 10x20 with metal roof with a lean to on the back of the building. The lot beside the home is included in the purchase

240 Beaver Dam Rd, Goldsboro

Listing courtesy of East Pointe Real Estate Group, Inc..

$450,000
5 Beds ⋅ 3 Baths ⋅ 100598704 MLS
All colors and finishes can still be selected. Just 1 Mile Over the NC Line! ? No HOA ? No POA ? Custom New Construction! Welcome to 645 Turnpike Road, offering the perfect combination of space, convenience, and quality craftsmanship. Located approximately one mile from the Virginia state line, this custom-built Elizabeth model by Perry McMillion Custom Homes provides an easy commute to Chesapeake and Hampton Roads while enjoying the benefits of North Carolina living. Situated on a 1.01 acre homesite, this thoughtfully designed floor plan features 4 bedrooms plus a Finished Room Over Garage (FROG), 3 full baths, and primary suites on both the first and second floors. The open-concept layout includes a spacious kitchen with granite countertops and soft-close cabinetry. Enjoy quality construction, functional living spaces, and the freedom of no HOA or POA restrictions. Photos are of a similar home and may show options or upgrades not included in the ba

645 Turnpike Rd, Belvidere

Listing courtesy of Atlantic Sothebys International Realty.

$215,000
3 Beds ⋅ 2 Baths ⋅ 100595923 MLS
Looking for peaceful country living? This well-maintained 3-bedroom, 1.5-bath brick ranch sits on nearly half an acre with plenty of room to enjoy the outdoors. Inside, you'll find a functional layout with an additional bonus room for extra living space, an office, or whatever fits your needs. Major updates include HVAC and water heater replaced in 2023, along with an encapsulated crawlspace with dehumidifier. Two garden/storage sheds provide plenty of extra storage, and the washer and dryer are included. A solid, move-in ready home with the space and quiet country setting you've been looking for.

226 Happy Home Rd, Tyner

Listing courtesy of Iron Valley Real Estate Elizabeth City.

$29,500
100595511 MLS
3 Wooded Acres in Murfreesboro, North Carolina | A Private Retreat with Room to Grow This 3 Acre Wooded Property in Northampton County near Murfreesboro offers a private rural setting surrounded by farmland, mature trees, and natural wetlands. Located along Parker Road, the land includes approximately 145 feet of road frontage and extends deep into the surrounding woods, creating multiple potential homesite locations. The property's long layout provides flexibility for building closer to the road for convenient access or farther back among the trees for additional privacy. The wooded landscape and surrounding agricultural land support wildlife commonly found throughout northeastern North Carolina including deer and turkey. Electricity runs along Parker Road. The property's layout allows future owners to design private water and wastewater systems suitable for their plans. Located in Northampton County's Agricultural-Residential district, the land may be suitable for a private homesite, small homestead, recreational retreat, or long-term investment.

358 Parker Rd, Conway

Listing courtesy of EXP Realty LLC - C.

$225,000
2 Beds ⋅ 1 Baths ⋅ 100593613 MLS
Welcome to this charming, updated single-family home that offers the perfect combination of comfort, style, and value. Whether you're searching for a place to call home or looking to expand your investment portfolio with a desirable rental property, this move-in-ready residence is a great opportunity. Thoughtfully refreshed with numerous recent improvements, this home allows you to enjoy modern updates without the hassle of completing major projects yourself. The heart of the home is the updated kitchen, featuring brand-new stainless steel appliances that provide a sleek, modern look while offering the convenience today's buyers appreciate. Whether you're preparing family meals, entertaining guests, or simply enjoying your morning coffee, this cozy kitchen is ready to meet your needs. Throughout the home, you'll find beautiful luxury vinyl plank (LVP) flooring installed during 2025-2026. The updated flooring adds warmth, durability, and a cohesive contemporary style that complements virtually any décor. Fresh interior paint throughout the home creates a bright, clean, and welcoming atmosphere, giving every room a fresh start and making it easy for the next owner to personalize the space. In addition to the cosmetic improvements, significant exterior updates provide added peace of mind. Both the home and the storage shed received new roofs in 2025, representing a valuable investment that can help reduce future maintenance concerns. The property has also been professionally cleaned, making it truly move-in ready from day one. Simply bring your furniture and personal touches--everything has been prepared so you can settle in immediately. The detached shed offers additional storage for lawn equipment, seasonal decorations, tools, bicycles, or hobby space, adding extra functionality to the property. The attic has easy access with permanent stairs & a huge space providing the storage every homeowner always wants more of! Schedule your showing today and discover everything this exceptional home has to offer!

1815 W Main Ext, Elizabeth City

Listing courtesy of A Better Way Realty, Inc..

$574,900
3 Beds ⋅ 2 Baths ⋅ 100593523 MLS
Trusted lender Pat Miller (NMLS #698968) from Southern Trust Mortgage (NMLS #2921) will provide a 1% lender paid buy-down on this listing. Sellers are flexible with closing and other items - do not miss out on this one! Come on home to your own slice of farm & equestrian paradise! The current owners' quick need to relocate brings this amazing home onto the market! Situated on nearly four acres in the Newland area of Pasquotank County/Elizabeth City, 1393 Turnpike Road offers the perfect blend of peaceful country living, thoughtful updates, and equestrian-ready amenities--all while remaining just minutes from town, approximately 30 minutes to Chesapeake, and about an hour from the Outer Banks. Pulling onto the property and down the tree-lined driveway, you'll immediately appreciate the welcoming wraparound front porch, expansive open yard, and picturesque setting surrounded by farmland. Whether you're looking for room to spread out, start a hobby farm, or bring your horses home, this property is already set up and waiting. Step inside the home and you'll find a timeless layout that makes sense. The primary suite is privately positioned on the main level to the right as you enter, while the spacious living room welcomes you to the left with a cozy wood-burning fireplace and flows seamlessly into the dining area. Just beyond, a large rear deck overlooks the barns and property, creating the perfect place for morning coffee, entertaining friends, or simply taking in the quiet country views. The kitchen offers an abundance of cabinetry, generous countertop space, granite countertops, stainless steel appliances, and room for everyone to gather. Down the rear hallway, you'll find a convenient half bath, side entrance, access to the attached two-car garage, and the staircase leading to the massive finished room over the garage. Complete with its own mini-split system, this oversized flex space is ideal as a media room, home office, guest suite, gym, playroom, or whatever best fits your lifestyle. Upstairs, the classic Cape Cod design provides two spacious bedrooms, each accented by long dormers that flood the rooms with natural light. Both bedrooms feature two closets, offering exceptional storage, while the full bathroom is conveniently located between them. Outside is where this property truly separates itself. Equestrian enthusiasts will appreciate the impressive 36' x 36' Morton barn featuring four stalls, a climate-controlled office/tack room, wash bay, hay storage, its own electric meter, and everything needed to comfortably care for your horses. The 45' x 75' lighted Morton riding arena, fenced pastures, and shed, make this a rare turnkey opportunity for horse owners or anyone dreaming of a hobby farm. Additional highlights include luxury vinyl plank flooring, a metal roof, updated exterior doors, updated primary bathroom, a beautifully designed kitchen, 6-inch baseboards, updated ceiling fans, gutters and downspouts, a new vapor barrier, high-speed Spectrum internet availability along with Starlink and other providers, county water, and an attached two-car garage. Every inch of this property has been thoughtfully designed to provide comfort, functionality, and the freedom that only country living can offer. Properties offering nearly four acres, an updated home, and a complete equestrian setup are few and far between--especially with the proximity of this home to surrounding towns, counties and destinations. Whether you're bringing horses, starting your own homestead, or simply looking for more space to enjoy life, 1393 Turnpike Road is ready to welcome you home.

1393 Turnpike Rd, Elizabeth City

Listing courtesy of Water Street Real Estate Group.

$695,000
4 Beds ⋅ 4 Baths ⋅ 100592524 MLS
Custom built home on 10 acres with no HOA or restrictions? Yes, please! This spacious four bedroom, three and a half bath home is ready to welcome its new owners. Inside, you'll find a spacious floor plan featuring a downstairs primary suite with an attached office. Storage is abundant, with every bedroom offering at least one walk-in closet, and the upstairs layout provides the option for a second primary suite. The semi-open main living area boasts tall ceilings, abundant natural light, and plenty of space for entertaining family and friends. Trusted lender Pat Miller (NMLS #698968) from Southern Trust Mortgage (NMLS #2921) will provide a 1% lender paid buydown, OR 0.5% in lender paid closing costs, on this listing. Load up the chickens, the horses, and your dreams--this property is ready for you to make it your own!

226 Bartlett Rd, Camden

Listing courtesy of Water Street Real Estate Group.

$675,000
3 Beds ⋅ 3 Baths ⋅ 100590687 MLS
A private saltwater pool house, multiple garages, and 2.6 acres! This custom built property offers far more than a place to call home. The main level features a spacious living area with a fireplace and vaulted wood-plank ceilings. The kitchen offers granite countertops, double ovens, and a newly purchased electric stove, with the option to convert to gas cooking if desired. The first floor also includes the primary suite, laundry room, and a flexible-use room suitable for an office, media room, hobby space, or other use. Covered front and rear porches with recessed lighting create inviting spaces for outdoor enjoyment. The separate pool house features a solar-heated saltwater pool along with its own kitchen and bathroom. Parking and storage options include an attached two-car garage, a detached three-car garage with a bathroom, and a smaller detached garage suitable for lawn and farm equipment storage. Additional features include a newly installed tankless water heater and a whole-house generator. Situated on approximately 2.6 acres, the property offers generous indoor and outdoor space with access to regional routes connecting Murfreesboro with Hampton Roads, Raleigh, and surrounding areas.

452 Vinson Mill Rd, Murfreesboro

Listing courtesy of eXp Realty.

$265,000
3 Beds ⋅ 3 Baths ⋅ 100590294 MLS
This gorgeous brick ranch is ready for new owners! Located just outside the Murfreesboro town limits, this property is convenient to downtown shopping and eating. The home has recent paint and flooring, updated fixtures, replacement windows, new ductwork, a brand new metal roof and more! There are three bedrooms and 2.5 baths. The living room and dining room combo offers so much versatile open space for your needs. The den has a fireplace with a wood stove, and offers access to the backyard through French doors. The kitchen has granite countertops and stainless appliances including a dishwasher, fridge, oven, and cooktop. Adjacent to the kitchen is a spacious laundry room, offering cabinets for storing additional food or supplies. There is a flex room off the laundry room. This flex room can be reached from inside the home, but it also has a door to the outside, offering options for use, such as a man cave, playroom or home office. There are two carports, some storage buildings and a fenced rear yard. Well-maintained and updated, this move-in ready, spacious home is ready for new owners. Home is currently on a well but can be hooked up to county water. No town taxes. Beautiful farm and woodland views. Come see this special home today!

247 Vaughans Creek Rd, Murfreesboro

Listing courtesy of Revelle Realty, LLC.

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