USDA and FHA Pro and Con in Dillon, Dillon County, SC

In 2026, the USDA loan limit in Dillon, in Dillon, SC, is $336,500, while the FHA limit for a single-family home is $472,030.

Leverage Lendersa®'s USDA loan calculator to compare today’s USDA vs. FHA rates, and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you to choose the best program for your financial circumstances in .

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2026 Loan Limits and Downpayment Requirements in Dillon, Dillon, 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 Dillon, SC

Lendersa® is dedicated to securing you the best USDA or FHA loan quickly and without hassle. Choose from three starting points that link you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in SC

The USDA home loan is guaranteed by the Department of Agriculture and is commonly known as the USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all, enhancing accessibility.

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



  • Live Oak Banking Company
  • 1757 Tiburon Drive, Wilmington, NC, 28403
  • Live Oak Bank has had the privilege of helping thousands of passionate, driven people turn their dreams into reality. These everyday heroes aren’t in it for the fortune or the fame. They’re in it to make a difference, just like we are. As one of the last banks to get a charter before the start of the Great Recession.

  • Alpha Mortgage Advantage LLC
  • 6329 Oleander Drive, Wilmington, NC, 28403
  • Alpha Mortgage Corporation has been serving our local communities since 1983, and our unwavering support continues to this day. With a team of experts by your side throughout the entire loan process, you can rest at ease knowing that you are getting the best most attentive service available.

  • Alpha Mortgage Corporation
  • 1320 Airlie Rd, Suite 101, Wilmington, NC, 28403
  • "Alpha Mortgage Corporation is a full service mortgage banker with in-house processing, underwriting, closing and funding of your home.

    Formed in 1983, Alpha Mortgage has attained its growth and success through the introduction of a continuing series of innovative programs and services that have become standards in the mortgage lending industr

  • Coastline Mortgage Consultants LLC
  • 215 Racine Drive, Suite 105, Wilmington, NC, 28403
  • Coastline Mortgage Consultants, LLC is one of Wilmington’s oldest mortgage companies. Founded in 2002, Coastline Mortgage Consultants, LLC is locally owned and operated by John Russ and Chad Ludwig. With over 40 years combined experience in the mortgage industry, John and Chad have successfully navigated multiple industry changes

  • National Home Finance
  • 3205 Randall Parkway, Suite 211, Wilmington, NC, 28403
  • National Home Finance is a Wilmington, NC based mortgage brokerage and mortgage lenders company. Our philosophy is simple: treat our customers as we wish to be treated. We take a consultative approach instead of pushing everyone into a cookie-cutter loan; we will find the type of mortgage loan that is best for you

  • Atlantic Coast Financial Services
  • 4520 Fountain Drive, Wilmington, NC, 28403
  • At Atlantic Coast Financial Services we never charge an upfront Application Fee or Appraisal Fee. We are paid directly by our Approved Lender partners when your loan closes and only when your loan closes, so we have a direct interest in making sure everything is done right and efficiently.

  • MC Mortgage Group
  • 1908 Eastwood Road, Suite 221, Wilmington, NC, 28403
  • MC Mortgage Group is the premier & choice residential mortgage company in North Carolina. We continually sharpen our focus on our customers by delivering on our commitment to provide the very best mortgage loan experience; by individualizing loans with the best rates, always closing on time & providing the best customer service in the business.

  • Alpha Mortgage Corporation
  • 1320 Airlie Rd, Wilmington, NC, 28403
  • Alpha Mortgage Corporation is a full service mortgage banking firm, headquartered in Wilmington, NC. We offer the very best in interest rates, service and experience. Our products include 100% VA, 100% USDA, FHA & Conventional loans for first-time buyers and the most experienced of buyers.

  • Alan Efting
  • 6752 Rock Spring Rd, Wilmington, NC, 28405
  • At Alan Efting, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options

  • SeaTrust Mortgage
  • 1001 Military Cutoff Rd, Suite 350, Wilmington, NC, 28405
  • SeaTrust Mortgage Company is built on the foundation of our #1 core value, customer obsession. As a subsidiary of one of the fastest-growing banks in the southeast, Community First Bank, SeaTrust has the ability to tailor products for your needs and wants. Our "New Wave"​ technology will provide speed, quality.

  • Citizens First Mortgage Lending LLC
  • 9320 -E Two Notch Road, Columbia, SC, 29223
  • Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience over 20 years in the industry. Providing the best Options for purchasing or refinancing your home loans We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing.

  • ABBA First Mortgage
  • 4039 Masonboro Loop Rd, Wilmington, NC, 28409
  • We are dedicated to treating others with excellence, just as we would like to be treated ourselves. This is not just an example of the "Golden Rule", but a Biblical principle we have chosen to practice on a daily basis. ABBA First Mortgage offers the best mortgage rates in North Carolina and Tennessee