For 2026, the USDA loan limit in Forest-Acres, situated in Richland county, SC, is $285,000, whereas the FHA loan limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA top rates. Determine the income, credit score, reserves, and documentation needed for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most appropriate program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Forest-Acres, Richland, SC
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Forest-Acres, SC
Lendersa® is dedicated to securing you the best possible USDA or FHA loan with speed and ease. Choose one of three initial steps to be matched with lenders offering USDA loan programs.
The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is government-backed through the Department of Agriculture, available only in rural areas. In contrast to FHA loans requiring a 3.5% down payment, USDA loans require no down payment, streamlining accessibility for eligible applicants.
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.
Golden Gate Mortgage was founded in 1999 in Columbia, SC with the goal of providing the best home loans, refinancing and home loan rates to customers across the Palmetto State. We’re proud to say we’re still here when many other mortgage brokers are not, and we have a long list of satisfied customers who have found their home loan.
Gulfstream Mortgage is a South Carolina Corporation that began providing mortgage loans in 1991. We lend only in the state of South Carolina and we have helped thousands of customers over the last three decades. If you like personal one-on-one service and reaching your loan officer with one simple phone call, email.
"Resource Financial Services was founded in 2008 by a handful of experienced mortgage bankers who wanted to make it easier to get a home loan in South Carolina.
We sold our company at the end of 2012, but we never left the mortgage industry and the opportunity to relaunch as Resource Financial Services presented itself at a perfect time."
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.
