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.
"AMERICO FEDERAL CREDIT UNION was formed when Erie County School Employees Federal Credit Union and American Sterilizer Federal Credit Union merged in 2003, changing our name to Americo Federal Credit Union.
Erie County School Emp FCU and American Sterilizer FCU were each chartered in the early 1950’s. At that time, credit unions served"
The Evangeline Bank and Trust Company is an independent banking company that provides banking services to consumer and business customers in its normal area of operation. Our goal is to meet the banking needs of our communities served with outstanding customer service while taking active roles in our local communities.
SIUE Credit Union is a not-for-profit, member-owned credit union, our main goal is not to make money. Instead, we help you save yours with a complete range of financial products and services. You’ll earn high returns on savings, enjoy lower rates on loans and pay lower (and fewer) fees than you would at most banks.
Scott Credit Union is a full-service financial institution that is member owned, member operated, and not-for-profit. We offer similar products and services to what the conventional financial institutions have, but we do so with our members’ best interest in mind. Any revenue generated after expenses
Mortgage Makers is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
1st MidAmerica Credit Union has been helping families achieve their financial goals. 1st MidAmerica is a not-for-profit financial cooperative dedicated to the financial success of its members. 1st MidAmerica is a full service financial institution offering mortgages, auto loans, checking accounts, money markets, certificates and more
230 S Buchanan St, Suite A, Edwardsville, IL, 62025
American Home Lending USA, LLC offer a variety of mortgage solutions and are able to offer competitive wholesale mortgage rates. Some of our popular mortgage products include: 2% down payment grant, VA, Conventional, FHA, $0 Down USDA/Rural Development, HARP, home equity loans, cash out, reverse mortgages no appraisal VA Streamline refinances.
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Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
