In 2026, 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.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $379,500 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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