USDA Vs. FHA Pro and Con comparison in Garden-City, Horry County, SC
In the year 2025, the USDA loan limit for Garden-City, located in Horry, SC, is set at $285,000. Meanwhile, the limit for an FHA loan on a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to assess and compare today’s leading rates for USDA versus FHA, pinpointing the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding in determining which program in best fits your specific financial situation.
2025 Loan Limits and Down Payment Requirements in Garden-City, Horry, SC
Loan Type
Maximum Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Garden-City, SC
The goal of Lendersa® is to ensure you secure the best possible USDA or FHA loan quickly and with ease. Choose one of three initial pathways to connect with lenders and find suitable USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is specifically available for rural areas. Unlike FHA loans that mandate at least a 3.5% down payment, USDA loans offer a no down payment option, making it more accessible.
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5900 S Lake Forest Dr, Suite 300, McKinney, TX, 75070
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