USDA and FHA Pro and Con 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.
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.
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.
SPC Credit Union is a full-service, member-owned, not-for-profit financial institution headquartered in Hartsville, South Carolina. We are proud to have served this region for more than 70 years. A firm commitment to our mission of "Compassion. Connection. Community." has led us to be rated.
Dedicated Community Bank will be known as the premier relationship bank in the communities we serve. We will be a highly effective and ethical financial services institution. We will provide our clients, individuals and businesses, with the highest level of quality financial services available.
Pee Dee Federal offers a variety of loan options, including new and used auto loans, personal loans, home equity loans, overdraft protection, revolving lines of credit, secured loans, motorcycles, jet skis, boats, campers. Because each member is unique, we strive to customize each loan to fit your budget by offering affordable monthly payments.
Palmetto First FCU is the longest standing Florence credit union, established in November 1953. The purpose of the Florence ACL Employees Credit Union was twofold: to create thrift through savings of the employee and to provide credit at a minimum rate of interest for members desiring the same.
Nucor Employee's Credit Union was founded in late October 1962. The need for the credit union arose out of the fact that Vulcraft (later named Vulcraft Division of Nucor Corporation) employees needed a reliable, low cost source of borrowing money when they could not pay the difference between the cost of hospital expenses.
Carolina Bank’s branch offices are scattered throughout six counties of northeastern South Carolina. They account for over $460 million in assets and offer a wide range of banking services to meet every personal or business need. Its branch managers and staff, many of who are long serving employees, live in the communities they serve.
C & A Mortgage Services of Florence Inc, in business since 1991, is a true Mortgage Broker firm and gladly accepts that identity because of the large amount of flexibility we are offered by the various national wholesale lenders we choose to do business with. The company is solely owned and operated since it's inception.
First Palmetto Bank, one of South Carolina’s oldest financial institutions remains headquartered in the state’s oldest inland city of Camden. First Palmetto has grown to become one of the largest locally owned full-service financial institutions headquartered in South Carolina, with twenty-three branch locations across the state.
At SAFE Federal Credit Union, we connect South Carolinians in our seven-county service area with the resources they need to achieve lasting economic stability.
In fact, that’s our mission—to help members stay at their financial best through all stages of life—and has been since our founding over half a century ago
