In 2026, the USDA loan limit in Bluffton, located in Beaufort county, SC, is $336,500, while the FHA limit for a single-family home is $485,300.
Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA top rates, identifying necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping determine the best program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $485,300 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to swiftly secure the best possible USDA or FHA loan, minus the hassle. Choose one of the three starting paths to link with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is known as a USDA rural development loan or mortgage and is specifically for rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require none, providing significant benefits to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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