USDA Vs. FHA your options comparison in Hilton-Head-Island, Beaufort County, SC
In 2025, the USDA loan limit in Hilton-Head-Island, part of Beaufort county, SC, is $285,000, whereas the FHA limit for a single-family home is $379,500.
Utilize the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates and deduce the income, credit, reserves, and documents essential for qualification. Our advanced mortgage calculator gives a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in selecting the optimal program for your financial scenario in Alabama.
2025 Loan Limits and Downpayment Requirements in Hilton-Head-Island, Beaufort, SC
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$379,500
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Hilton-Head-Island, SC
Lendersa® aims to secure the best USDA or FHA loan options swiftly and with ease. Choose one of three starting points to connect with matching lenders and available USDA loan programs.
A USDA home loan is government-backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is exclusive to rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans demand no down payment, offering significant advantages for qualified borrowers in eligible areas.
First State Bank of Odem was established in 1945, by a group of local business men. For the last 75 years we have been serving San Patricio and Northwest Nueces County with "Home Town Banking". First State Bank of Odem is a Locally Owned Independent Community Bank, committed to providing our customer with High Quality, Friendly Customer Service.
We provide payment technology for over 1, 300 higher education institutions and 11, 500 K-12 schools. We deliver world-class fiber internet, TV, and phone services to residents of Nebraska and Colorado. We help borrowers achieve their educational goals with private student loan and refinance solutions.
McPherson Co-Op Credit Union has been a member-owned, not-for-profit financial institution. We have come a long way since the card table in the basement! The mission of MCCU is following the credit union philosophy of “People Helping People” by providing quality financial services to our members.
Woodmen Federal Credit Union has been open since 1934. The credit union has assets totaling $10.66 Million and provides banking services to more than 1, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Omaha Public Power District Employees Federal Credit Union
444 S 16th Street, Omaha, NE, 68102
The Omaha Public Power District Employees Federal Credit Union (OPPD EFCU) was established in 1938 as a nonprofit financial cooperative for the employees of the Omaha Public Power District and their families. We are member owned and operated under the direction of an elected volunteer board made up of OPPD employees.
Gallup Federal Credit Union has been open since 1979. The credit union has assets totaling $21.6 Million and provides banking services to more than 2, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
LeverageRx is a digital lending and insurance marketplace exclusively for doctors. We make it incredibly simple to compare rates on physician mortgage loans, physician disability insurance, student loan ReFinancing, and other financial services for medical professionals. Make smart, swift financial decisions with LeverageRx.
Since our origin in 1937, the Union Pacific Streamliner Federal Credit Union has been serving our members, Union Pacific employees, and their families, with exceptional service and financial products.
Union Pacific Streamliner Federal Credit Union focuses our energies on delivering the very best personal service to our members,
For a century and a half, FNBO, a subsidiary of First National of Nebraska, has set the standard for outstanding customer service coupled with some of the most innovative financial products in the industry.
When it opened in 1857, FNBO was a local bank that served only Omaha and the surrounding communities.
