USDA Vs. FHA your options comparison in Hartsville, Darlington County, SC

For 2026, the USDA loan ceiling in Hartsville, county of Darlington, SC is $336,500, while the FHA cap for a single-family residence is $472,030.

The Lendersa® USDA loan calculator helps you discern today's prime USDA versus FHA rates, assessing needed income, credit, reserves, and necessary documentation. Our advanced mortgage calculator enables parallel evaluation of USDA, FHA, Conforming, and VA loans, guiding your choice of the best program in for your financial circumstances.

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2026 Loan Limits and Downpayment Requirements in Hartsville, Darlington, 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 Choices in Hartsville, SC

The mission of Lendersa® is to efficiently secure the best USDA or FHA loan available, without hassle. Begin with one of three options to find matching lenders and USDA loan programs.

Lendersa USDA loan request and results

About USDA Loans in SC

A USDA home loan, supported by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage and is offered only in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans do not require any down payment.

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



  • Premier Lending, Inc
  • 3420 Toringdon Way, Suite 220, Charlotte, NC, 28277
  • Founded in 2009 in Charlotte, NC, with the aim of making a difference in the lives of our clients, Premier Lending, Inc.helps make the dream of owning a home a reality for everyone.By partnering with us, you can trust in what we like to call The Premier Promise.Keys in hand in 21 days! With upfront underwriting, a streamlined assembly line approach

  • 1st Heritage Credit
  • 110 N Anderson Rd, Suite 118, Rock Hill, SC, 29730
  • First Heritage Credit is the perfect place to start a career in Consumer Finance. With operations in 100+ branch offices in Alabama, Louisiana, Mississippi, South Carolina, and Tennessee, we’re looking for motivated and customer-focused individuals to start a career with us. Our goal is to help our customers achieve their goals.

  • Qualfirst Mortgage
  • 742 N. Anderson Rd, Suite 118, Rock Hill, SC, 29730
  • Qualfirst Mortgage is a full-service mortgage brokerage firm, covering North and South Carolina, that is partnered with America's best Mortgage Lenders. We will provide to you the best service, best turnaround times, lowest rate and most flexible mortgage loan products and Qualfirst Mortgage has 30 years of lending experience

  • Carolina Capital Management
  • 234 Johnston St., Rock Hill, SC, 29730
  • Carolina Hard Money is a commercial loan broker company serving the needs of the Real Estate Investor borrower who are striving to build wealth and generate income for themselves and for their families. We offer “hard money rehab loans” for investors only in “North Carolina and South Carolina”. As part of our business practices, we also serve as co

  • Carolina Hard Money
  • 234 Johnston Street, Rock Hill, SC, 29730
  • Carolina Hard Money”, LLC is a commercial loan broker company serving the needs of the “Real Estate Investor” borrower (only) who are striving to build wealth and generate income for themselves and for their families. We offer “hard money rehab loans” for investors only in “North Carolina and South Carolina.

  • MVR Mortgage Company LLC
  • 2120 Crown Center Drive, Suite 400, Charlotte, NC, 28227
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  • Business Development Corporation
  • 111 Executive Center Drive, Suite 225, Columbia, SC, 29210
  • Business Development Corporation (BDC) has been financing small businesses in South Carolina, leading to the creation of thousands of new jobs for the citizens of the Palmetto State. Since 1958, BDC and its associate company, Certified Development Corporation (CDC), have approved more than 2, 890 loans totaling in excess of $1.73 billion.

  • National Asset Mtg Servicing
  • 4350 St. Andrews Rd, Suite F, Columbia, SC, 29210
  • NAM is a leader in the non-QM origination & servicing industry. Whether you are a lender in need of licensed originators to assist with compliant underwriting or a licensed servicing partner for your loans, National Asset Mortgage is able to assist you. NAM is one of the most experienced low-balance, high-touch, complex servicing/subservicing firms

  • Simplified Mortgage Solutions, LLC
  • 3125 Hebron Drive, Suite 101, West Columbia, SC, 29169
  • SMS we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you.



    Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan

  • 1st Capital Title Loans
  • 3420 US-21, Fort Mill, SC, 29715
  • 1st Capital Title Loans Can provide you with a Commercial car title loan in South Carolina from one of our convenient offices on the state line. (This Loan is also known as a Commercial car title loans, title loan, title loans, motorcycle loan or motorcycle title loans). 1st Capital Title Loans can provide you with a Commercial Car Title Loan, moto

  • GreenStar Home Loans Inc
  • 2950 Old Nation Road, Suite 6, Fort Mill, SC, 29715
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  • Carolina’s Premier Mortgage Corp
  • 238 Rockmont Drive, Fort Mill, SC, 29715
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