In the year 2026, the USDA loan limit for Columbia, in the county of Richland, SC, is set at $336,500. Conversely, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today, determining the necessary income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the ideal program for your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in Columbia, Richland, SC
Loan Type
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Loan Options for USDA and FHA in Columbia, SC
Lendersa® is committed to securing you the most suitable USDA or FHA loan quickly and without the fuss. Choose from three starting strategies that connect you with matching lenders and USDA loan programs.
A USDA home loan is a mortgage guaranteed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, suited for rural neighborhoods exclusively. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage demands no down payment, offering distinct advantages for eligible individuals.
2711 Middleburg Dr, Suite 103, Columbia, SC, 29204
Lends in South Carolina
Columbia Mortgage Corporation can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We can even help you pay down your balance more quickly for a comparable monthly payment.
Palmetto Citizens exists solely to serve the financial needs of our members, not profit from them. We offer products, services and educational programs to help our members achieve their financial potential. We believe in providing a high level of personalized service while maintaining low loan rates, high savings rates and fewer fees.
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.
