USDA and FHA Pro and Con in Denmark, Bamberg County, SC

In 2026, the USDA loan threshold in Denmark, located within the county of Bamberg, SC, is set at $336,500. Meanwhile, the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top rates for USDA versus FHA loans and identify necessary qualifications regarding income, credit scores, reserves, and documentation. Our advanced mortgage calculator allows you to assess USDA, FHA, Conforming, and VA loans side by side to determine the best fit for your financial situation, particularly in regions like .

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2026 Loan Limits and Down Payment Requirements in Denmark, Bamberg County, SC

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

Exploring USDA and FHA Loan Options in Denmark, SC

The primary aim of Lendersa® is to provide you with the best USDA or FHA loan efficiently and without complexity. Start with one of three options to connect with lenders that match your needs and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in SC

A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, offered exclusively in rural areas. Different from FHA loans that mandate a minimum 3.5% down payment, USDA loans require no down payment.

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



  • First Choice Mortgage, Inc.
  • 217 Davis Rd,, Augusta, GA, 30907
  • First Choice Mortgage in Augusta, GA houses an experienced, dedicated, and knowledgeable team. We are one of the best mortgage lenders and brokerage firms serving the lending needs of real estate professionals, builders, and individual homebuyers throughout Georgia and South Carolina since 1992.

  • AUGUSTA MORTGAGE CO.
  • 243 Davis Road, Augusta, GA, 30907
  • Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender

  • REV Federal Credit Union
  • 200 Marymeade Dr, Summerville, SC, 29483
  • At REV, we’re passionate about being an active partner that works with local businesses, organizations and associations to build healthy communities. Through a digital first strategy and enhanced commitment to our members, we’re redefining what banking means. As a full-service financial institution, we offer competitive loan rates.

  • Homefront Mortgages, Inc.
  • 202 E. 2nd North St, Suite 1-A, Summerville, SC, 29483
  • Homefront Mortgages, Inc. offers the very best mortgage tools available on the Internet - easy, convenient, on-line shopping for the best loan programs and most current rates available, together with the assistance of an experienced, "live" loan officer to guide you through the often difficult and confusing process.

  • SAFE Federal Credit Union
  • 160 West Wesmark Boulevard, Sumter, SC, 29150
  • At SAFE Federal Credit Union, we connect South Carolinians in our seven-county service area with the resources they need to achieve lasting economic stability.

    In fact, that’s our mission—to help members stay at their financial best through all stages of life—and has been since our founding over half a century ago

  • Americas First Mortgage Lending Company
  • 601 North Belair Square, Suite 26, Evans, GA, 30809
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs

  • AUGUSTA MORTGAGE SOLUTIONS
  • 141 North Belair Road, Suite 102, Evans, GA, 30809
  • Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.

  • Assurance Financial Services, Inc
  • 89 Old Trolley Rd, Suite 102, Summerville, SC, 29485
  • Assurance Financial Services, Inc. is a mortgage brokerage located in South Carolina. We are on our client’s side throughout the transaction and communication is key. We are available 7 days a week to answer questions, provide guidance, and update buyers with each step of the process as it unfolds.

  • Jeff Cook Real Estate
  • 10040 Dorchester Rd, Suite 101, Summerville, SC, 29485
  • Our mission at Jeff Cook Real Estate is to empower our team to deliver the best service and to empower our clients to reach their real estate goals. Whether you are a buyer, seller, or investor, our team of professionals can answer any questions you might have. If you want someone who will work tirelessly to ensure your satisfaction

  • New South Mortgage
  • 1101 Old Trolley Rd, Suite 100, Summerville, SC, 29485
  • New South Mortgage offers a wide selection of loan packages to meet the needs of each customer’s unique situation. Because we work with many lenders, we take the hassle out of shopping for a loan by doing the shopping for our clients. Our long time relationships with lenders also enable us to offer discounts and rates not available elsewhere.

  • Bank of South Carolina
  • 9403 Highway 78, Ladson, SC, 29456
  • Whether you're a first time homebuyer or an experienced borrower, The Bank of South Carolina's mortgage professionals can make the process clear and simple. Our knowledgeable professionals are trained to help you understand the entire loan process and select the most favorable loan product for your needs.

  • Home Spring Mortgage
  • 5363 Creek View Ln, Hollywood, SC, 29449
  • HomeSpring Mortgage is a South Carolina-based direct portfolio lender. We do not broker any loans. We lend exclusively in South Carolina for residential and commercial properties.HomeSpring is a full-service, non-QM lender that partners with mortgage professionals working in the non-government mortgage sector by making decisions that focus on a bor