USDA Vs. FHA Pro and Con comparison in Columbia, Richland County, SC
In the year 2025, 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.
2025 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.
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First Lincoln Federal Credit Union Was Originally Chartered in 1956
It was an industrial credit union consisting of members of local #156 Amalgamated Meat Cutters & Butchers Workman of North America in Lincoln, employees of the Credit Union, and immediate family members. Willard Mook was elected treasurer and took care of operations from his home
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Vault Funding Group is a residential and commercial mortgage lending firm with its home office based in Lincoln Nebraska and branch offices located in Atlanta Georgia and Las Vegas Nevada. As a member of the business community for several years, Vault Funding Group is also a licensed, bonded mortgage brokerage firm.
The Lincoln SDA Credit Union is organized to serve members of the Seventh-day Adventist Church, Students and Employees of Adventist Colleges, and Employees of Adventist Hospitals. As a faith-based financial institution owned and operated by our members, our purpose is to provide a competitively priced line of financial products and services.
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First Financial Bank has been foundational in the community of Winnebago and surrounding area since beginning in 1870. It remains "Rooted in the Community" providing "Big Bank" services with small town service to our customers' personal, commercial, and agricultural banking needs.
MembersOwn Credit Union offers primary banking services with a “People helping People” philosophy. Being locally owned by individuals living in 10 southeast Nebraska counties makes them committed to their members, first and foremost.
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The mission of the LPS Employees Federal Credit Union is to support its members by helping them achieve their current and future goals by providing member-driven services and financial education. We take pride in meeting our members’ needs with honesty, compassion, and integrity.
