In 2026, the USDA loan limit for Aiken in Aiken county, SC, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, determining the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side to assist in identifying the best program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to secure the best possible USDA or FHA loan for you swiftly without hassle. Begin with one of three paths that connect you to matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It's available only in rural areas. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans require no down payment, offering a clear advantage to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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