USDA Vs. FHA your options comparison in Central, Pickens County, SC

For 2026, the USDA loan limit in Central, within Pickens, SC, is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize Lendersa®'s USDA loan calculator to compare today’s USDA versus FHA rates and assess the necessary income, credit, reserves, and documentation needed for qualification. Our advanced calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting you in finding the best program for your financial circumstance in .

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2026 Loan Limits and Down Payment Requirements in Central, Pickens, SC

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

USDA and FHA Loan Options in Central, SC

Lendersa® strives to offer you the best USDA or FHA loan without delay. Start with one of three pathways that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in SC?

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require none, enhancing their accessibility.

Enter your location to find out if it qualifies for USDA rural housing loan?



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