USDA and FHA Pro and Con in Clearwater, Aiken County, SC

In 2025, the USDA loan limit for Clearwater within Aiken, SC is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates and to see the essential income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA side by side to help identify the best program for your particular financial situation in .

Browse loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Clearwater, Aiken, 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 Solutions in Clearwater, SC

Lendersa® is dedicated to swiftly obtaining the ideal USDA or FHA loan for you with ease. Choose one of three starting options to match with lenders and explore available USDA loan programs.

Image of Lendersa USDA loan request and matching results

Understanding USDA Loans in SC

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture, exclusively for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans demand no down payment.

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



  • First National Bank of McGregor
  • 401 S Main St, Mc Gregor, TX, 76657
  • The First National Bank of McGregor in 1889, TFNB is the oldest bank in McLennan County and the seventh oldest national bank in Texas still operating under its original charter. In 1957, we moved from our original location at 217 S. Main in McGregor, Texas to a more modern building across
  • Tahquamenon Area Credit Union
  • 7693 State Highway M123, Newberry, MI, 49868
  • We are recognized as one of the outstanding credit unions in the state and have an established reputation for excellent service & reasonable rates.CREDIT UNIONS are organizations of PEOPLE, not money. Our mission at Tahquamenon Area Credit Union is to provide you, our member & friend, products & services to meet your needs in a safe & sound manner.
  • First Alliance Credit Union
  • 300 North Main Street, Stewartville, MN, 55976
  • At First Alliance Credit Union, we place our members' (and future members) needs first by providing compassion, guidance, and resources to promote their financial well-being. At First Alliance Credit Union, we want to be the trusted partner of choice for the financial success of our members and the communities we serve.
  • The Citizens State Bank and Trust Company
  • 1 North Broadway, Woodbine, KS, 67492
  • The Citizens State Bank & Trust Company has been providing customers with a range of financial services for over 90 years. The Citizens State Bank & Trust Company was organized and chartered in January 1921 with W. L. Johnson (bank president), JA Gillett (vice president). In 1923 Woodbine State Bank, originally opened in 1897 and incorporated
  • Endurance FCU
  • 703 S 9th Street, Duncan, OK, 73533
  • EFCU is a full-service financial institution offering its members the best in service and a full range of financial products. When you become a member of EFCU you actually become one of the owners. EFCU is governed by a volunteer board of directors. EFCU redistributes income to members through higher savings rates and lower loan rates.
  • First Bank & Trust Co.
  • 923 W. Main St, Duncan, OK, 73533
  • At First Bank & Trust Co., you will feel the difference in the way your financial needs are met, because we are more than just a bank –we’re your bank. Located in Southern Oklahoma, we are proud to be a part of both urban & rural communities. We understand the banking needs of small businesses, farmers & ranchers, as well as families & individuals.
  • Fayette Savings Bank, SSB
  • 111 East Travis, La Grange, TX, 78945
  • Fayette County Savings & Loan Association was organized in October of 1976. By March of 1977, all of the necessary stock was sold and Fayette County Savings & Loan Association was chartered on December 31, 1977. Insurance of accounts was obtained on August 28, 1978, and Fayette County Savings & Loan Association opened for business.
  • National Bank & Trust
  • 145 West Colorado, La Grange, TX, 78945
  • Chartered in 1888, National Bank & Trust is headquartered in La Grange, Texas, and has been a major contributor in the development and expansion of the business and agricultural community since its inception. National Bank & Trust is a full-service Bank with friendly people who take the time to listen