Explore the differences! FHA VS Conventional loan programs in Elgin, Lancaster County, South Carolina

In 2025, Convetional loan limit in Elgin, county of Lancaster, SC is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in SC is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Elgin, county of Lancaster, SC

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 29720

Conventional and FHA loan options in Elgin, SC

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Farmers and Merchants State Bank of Bushnell
  • 484 East Main Street, Bushnell, IL, 61422
  • Farmers & Merchants State Bank is Bushnell's only locally-owned bank, serving our community since 1913. We offer low rates on loans, competitive earnings on savings, and leading edge technology in all our services, along with the trust and privacy you deserve. Discover the difference of an employee owned bank
  • American Community Bank & Trust Woodstock
  • 1290 Lake Avenue, Woodstock, IL, 60098
  • Since we founded ACBT we have been focused on building relationships with privately owned businesses, investors, and families. As an independent commercial bank, we are uniquely qualified to serve this market and compete successfully against the mega banks. We are simply more responsive, agile, flexible, and attentive.
  • MassMutual Federal Credit Union
  • 1295 State Street, Springfield, MA, 01111
  • MMFCU is a financial cooperative founded in 1962. Our membership is open to all employees of MassMutual, financial professionals, and their family members. We provide valued products and services to improve members' financial well-being and also MassMutual. We have over 300 years of collective financial and credit union experience among our employe
  • Polaris Home Loans, LLC
  • One Monarch Place, 22nd Floor, Suite 2200, Springfield, MA, 01144
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • TMD Capital
  • 1500 Main St, Springfield, MA, 01103
  • We provide financing to real estate investors. We work in many different asset classes including - 1-4 Family Residential, Multi Family, Commercial properties. We pride ourselves being steadfast in our pursuit to meet our clients needs, and are committed to upholding our three core principles. Service, Pricing, Continuous Improvement.
  • Freedom Credit Union
  • 1976 Main Street, Springfield, MA, 01103
  • Freedom’s story began in 1922 when it was originally chartered as the Western Massachusetts Telephone Workers Credit Union. From a small office in the telephone company building on Worthington Street in Springfield, Massachusetts, the credit union grew until we found a new home on Main Street in Springfield.
  • Feliciana Federal Credit Union
  • 20303 Old Scenic Highway, Zachary, LA, 70791
  • Our credit union was originally chartered as Cee Zee Employees Federal Credit Union in 1960, serving the employees of the paper mill in West Feliciana Parish and their families. The paper mill has had five different name changes. The names of the paper mill have been Crown Zellerbach, James River, Crown Vantage, TEMBEC and currently KPAQ.
  • Allied Plastics Federal Credit Union
  • 1700 E Mount Pleasant Road, Zachary, LA, 70791
  • Since its inception in 1957 the Allied Plastics Federal Credit Union has been serving its members in the Baton Rouge, Louisiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages.
  • Mainstreet Mortgage LLC
  • 8586 Pin Oak Dr, Zachary, LA, 70791
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. We offer 100% USDA Rural Development, 100% VA to qualified veterans, FHA with 3.5% down, up to 97% Conventional and Jumbo options.