USDA Vs. FHA your options comparison in Cayce, Lexington County, SC
During 2026, the USDA loan limit for Cayce, which is within the county of Lexington, SC, is set at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess current USDA versus FHA rates today, identifying necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options in a side-by-side comparison, aiding you to select the most suitable program in for your financial needs.
2026 Loan Limits and Downpayment Criteria in Cayce, County of Lexington, SC
Loan Category
Maximum Amount
Down Payment Percentage
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Lending Options in Cayce, SC
The aim of Lendersa® is to provide you with the best USDA or FHA loan options speedily and with minimal hassle. Begin with three distinct paths leading to matched lenders and desired USDA loan plans.
A USDA home loan is federally guaranteed by the Department of Agriculture, known as a USDA mortgage or rural development loan, and is targeted for rural neighborhoods. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage requires none.
VP Capital Lending is a highly respected provider of commercial finance solutions and business loans. We regularly work with businesses in all types of industries, and we’d love to analyze the financial needs of your business. We always put in the extra work required to select the right type of financing for each business that comes to us for fundi
South Carolina Army National Guard Federal Credit Union
1225 Bluff Road, Columbia, SC, 29201
Lends in South Carolina
Founded in 1966 as South Carolina Army National Guard FCU, our goal was to serve the financial needs of the men and women in the South Carolina Army National Guard and their families.In 2007, we merged with McEntire Federal Credit Union – who, at the time, served only members of the South Carolina Air National Guard and their families.
The Columbia Post Office Credit Union is a member owned non-profit financial institution chartered on June 7, 1927. employees pooled their savings in order to borrow money at reasonable rates. Today the Credit Union has assets of over 33 million dollars. The Columbia Post Office Credit Union is the second oldest credit union in South Carolina.
SouthState is one of the leading regional Banks in the Southeast – serving more than one million customers via 275+ locations in Florida, Alabama, Georgia, the Carolinas, and Virginia. We offer robust Banking solutions, including consumer Banking, mortgage, small business Banking, commercial Banking and wealth management.
Founded in 1952, State Credit Union operates solely for the benefit of its members. We are a not-for-profit organization, which means our earnings are applied toward better services and rates for those who belong, helping them to become more financially comfortable. State Credit Union operates solely for the benefit of its members.
1237 Gadsden Street, Suite 200C, Columbia, SC, 29201
Lends in South Carolina
CSRA Business Lending is a non-profit corporation that, in addition to being a Certified Development Corporation of the U.S. Small Business Administration offering SBA-504 loans, also has a Direct Loan program called CSRA Direct. Just like our SBA-504 program, we like to partner with banks on projects.
Originally begun in 1960 as Fort Jackson Federal Credit Union, AllSouth Federal Credit Union is a not-for-profit financial cooperative, owned and operated by you, our members. We proudly serve 8 counties in the Midlands of South Carolina. We're not just your credit union, we're your neighbors.
Since 1993 Metro Mortgage Corporation has been providing mortgage financing to home buyers and home owners. We are full service mortgage professionals offering a complete line of mortgage loan programs. We have closed thousands of loans but more importantly we have helped thousands of people
Our Company was founded in 1998 by Al Edens (NMLS: 195469) and M-L White. Al and M-L have both been in the mortgage and financial field for over 25 years. Our company's profile is to have a Company that we would trust our families' mortgage needs to. We strive to have competitive products, up- to- date technology, knowledge.
