USDA and FHA Pro and Con in Graniteville, Aiken County, SC

In 2026, the USDA loan limit in Graniteville, located in the county of Aiken, SC, is $336,500. Meanwhile, for a single-family home, the FHA limit stands at $472,030.

To compare today's top USDA and FHA rates, utilize the Lendersa® USDA loan calculator. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you choose which program in Alabama best suits your financial needs.

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2026 Loan Limits and Downpayment Requirements in Graniteville, Aiken, SC

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

Available USDA and FHA Loan Options in Graniteville, SC

Lendersa® is committed to helping you find the best USDA or FHA loan quickly and easily. Choose one of three paths to connect with matching lenders and USDA programs.

Lendersa USDA loan requests and matches

Understanding USDA Loans in SC

USDA home loans are backed by the Department of Agriculture and are known as USDA rural development loans. Available only in rural areas, USDA loans require no down payment, unlike FHA loans which need at least a 3.5% down payment.

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



Graniteville Lenders

  • SRP Federal Credit Union
  • 1070 Edgefield Road, North Augusta, SC, 29860
  • Lends in South Carolina
  • Since our founding in 1960, SRP Federal Credit Union has been dedicated to our members. The members are the heart of the credit union and the sole purpose for our existence. Today, we serve as the financial institution for over 168, 000 members; we continue to provide sound savings programs, checking accounts, competitive loan options

  • Security Federal Bank
  • 238 Richland Ave NW, Aiken, SC, 29801
  • Lends in South Carolina
  • Security Federal Bank is committed to providing the highest level of financial services in a trustworthy, courteous and professional manner, treating all of our customers equitably and fairly. In fact, we have a long tradition of focusing on the customers we serve. Our central theme is Do what’s in the best interest of the customer

  • Hunter Mortgage, Inc.
  • 408 Silver Bluff Road, Aiken, SC, 29803
  • Lends in South Carolina
  • Hunter Mortgage, Inc. has a program to fit your needs! We are committed to providing you with fast and individualized service that large banks and other lenders do not offer. As a mortgage broker we are able to search for the best program to fit your particular needs and then find the best interest rate for you.