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.
Loan Fundr is a private Nationwide commercial lender headquartered in New York, offering many financing options, including: bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing
When you're applying for mortgages in Fishers, IN, trust your personal information and financial details to the team members at CrownMark Mortgage. With more than 20 years of experience assisting our customers' needs for mortgages, we're dedicated to providing client satisfaction.
To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of:
""It's my credit union; it belongs to me.""
When you walk into the credit union lobby, or call a loan officer
Affinity One Federal Credit Union has been open since 1948. The credit union has assets totaling $45.55 Million and provides banking services to more than 4, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
Emigrant Mortgage Company, Inc. (Emigrant) is a direct lender specializing in creative financing for residential properties. Headquartered in Elmsford, New York, Emigrant is a wholly owned subsidiary of Emigrant Bank, which has been serving the credit and banking needs of the New York community for more than 169 years.
Mortgage Cube makes sure we are in good compliance with banking departments Gabriel Ciccone, the owner of Mortgage Cube's secret is technology, knowledge, consulting with one client at a time and knowing market trends long before it became trendy. This has given our company an advantage over our competition.
JMK Financial is an independent, boutique mortgage company dedicated to providing custom and comprehensive service to our broad range of clients. We offer a wide variety of loan products to meet every need, from first-time home loans and mortgage refinancing to construction lending and reverse mortgages.
At Link FCU, we have had the opportunity of serving our members since 1930. Link Federal Credit Union was chartered under the Indiana State Credit Union Law in February of 1930 to serve employees of the Link-Belt Companies located in Indianapolis. Over the years, there have been six credit unions merge with Link.
