Explore the differences! FHA VS Conventional loan programs in Garden-City, Horry County, South Carolina

As we move into 2026, the limit for a Conventional loan in Garden-City within the county of Horry, SC is $647,200. On the other hand, for a single-family residence, the FHA loan ceiling is $420,680.

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Experience the power of the Lendersa® Conventional loan calculator, which enables you to evaluate the best available rates for Conventional, FHA, and USDA loans today. Assess the income, creditworthiness, reserves, and documentation necessary to qualify. Our cutting-edge mortgage calculator allows you to compare Conforming, Conventional, USDA, FHA, and VA loans side by side, making it easier for you to select the most suitable program in SC for your individual financial circumstances.

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Overview of 2026 loan limits and required down payments in Garden-City, located in Horry county, SC

Loan Category Loan Limit Minimum Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The above table of comparisons pertains to zip codes: 29575, 29576

Choices for Conventional and FHA loans in Garden-City, SC

The main mission of Lendersa® is to ensure you obtain the optimal Conventional, USDA, or FHA loans swiftly and effortlessly. Select one among the three initiating paths provided to connect with matching lenders and corresponding loan programs.

  1. Submit a comprehensive request featuring optimized Conventional/USDA/FHA loan options
  2. Start by examining Conventional, USDA, and FHA rates & terms
  3. Explore the most extensive database of Conventional lenders
Lendersa USDA loan request and matching results



  • NEXA Mortgage | Kyle Green
  • 5551 36th Ave S, Unit D, Fargo, ND, 58104

  • "I provide mortgage loan products for homeowners purchasing or refinancing real property in North Dakota.
    While partnered with NEXA, I bring extensive loan options to my clients. Effectively achieving my clients home goals is my top priority.
    Schedule an appointment with me here: https://Calendly.com/kylegreen1/mortgage-inquiry/"

  • Forward Mortgage
  • 4575 23rd Ave S, Suite 250, Fargo, ND, 58104

  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • VALLEY MORTGAGE, INC
  • 3315 45th Street South, Suite 200, Fargo, ND, 58104

  • VALLEY MORTGAGE, INC is ultimate goal is to create lasting relationships with each of you so we may continue providing excellent mortgage loan service to you, your family and friends. Referrals from happy customers are our best advertising we can hope for and we've built a solid business.

  • Park Mortgage
  • 4170 41st Ave S, Suite 102, Fargo, ND, 58104

  • Park Mortgage, our purpose is to simplify the mortgage process. We are committed to customer satisfaction and value communication to understand your financial needs. We will listen to you and encourage your questions. Our established relationships allow us to shop the market quickly to find the best product at the best rate.

  • VISIONBank
  • 3000 25th Street, Fargo, ND, 58103

  • VISIONBank is a locally-owned community bank that was started in 2003 by a team of experienced bankers who were committed to providing exceptional service and building an organization that would never lose that small town bank connection to its clients. Walk into the lobby of one of the VISIONBank locations

  • Fargo Public Schools Federal Credit Union
  • 1609 32nd Avenue S, Fargo, ND, 58103

  • Fargo Public Schools Federal Credit Union is a not-for-profit, member-owned financial cooperative providing services to the employees of Fargo Public Schools and their families. On November 10, 1934 with $10, 000 in deposits, 10 educators signed a charter to form FPSFCU. It was the first credit union in North Dakota and 47th in the nation.

  • F-M Mortgage Corporation
  • 801 10th Street South, Suite 100, Fargo, ND, 58103

  • F-M Mortgage was founded in May of 1992 by Marles Hass and Larry Reiser. F-M Mortgage's home office is located at 801 10th Street South, in downtown Fargo, ND. Our Bismarck office is located downtown, in the Logan's on Third building, at 120 3rd Street North. We are the EXPERIENCED EXPERTS in the Mortgage Market in North Dakota and Minnesota.

  • IMAGINE HOME LENDING, LLC
  • 3330 Fiechtner Drive, Suite 108, Fargo, ND, 58103

  • Imagine home lending community by supporting you through the loan process. We know that you have many options for lenders, but just like finding the perfect home, you need the perfect lender. Preferably, a lender that is trustworthy, who is attentive, and who can dedicate attention to ensure a smooth closing process for you

  • First Class Mortgage Inc.
  • 2300 13th Avenue S, Fargo, ND, 58103

  • First Class Mortgage is more than just our company name. It's the way we do business! Whether you are buying a new home or refinancing your existing mortgage, our dedicated team is committed to satisfying your home financing needs. We provide First Class service, First Class knowledge, and First Class experience

  • Ultima Bank
  • 9 West Minnesota Avenue, Winger, MN, 56592

  • Ultima Bank Minnesota originated as Farmers State Bank of Winger and was founded in 1904 in Winger, Minnesota, a small farming community in the northwest corner of the state. As typical of such communities, Winger's population peaked in the 1940's and then began to drop from about 400 to a little over 200 people today.

  • The People's Federal Credit Union
  • 7200 Hillside Road, Amarillo, TX, 79109

  • The People's Federal Credit Union was federally chartered on January 12, 1953 and currently has more than 18, 000 members. With five branches located in Amarillo, Childress and Canyon.

    The mission of The People's Federal Credit Union is to be the Members' primary financial institution.

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