USDA and FHA Pro and Con in Honea-Path, Anderson County, SC

As of 2026, the USDA loan limit in Honea-Path, situated in Anderson county, SC, stands at $285,000, whereas the FHA limit for a single-family residence is $356,362.

Utilize Lendersa®'s USDA loan calculator to compare today's most competitive USDA and FHA rates, and ascertain the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, aiding you in determining which program in best suits your financial needs.

Compare loan offers from a selection of 100 lenders

Overview of 2026 Loan Limits & Down Payments in Honea-Path, Anderson county, SC

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Honea-Path, SC

Lendersa® aims to swiftly secure you the best USDA or FHA loan without the hassle. Start with one of three options that align you with compatible lenders and USDA loan programs.

Lendersa USDA loan request matching outcomes

Understanding USDA Loans in SC

A USDA home loan is a government-backed option provided by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is strictly available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage demands no down payment at all.

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



  • Farmers State Bank
  • 115 N. Washington Street, Lincolnton, GA, 30817
  • Farmers State Bank is a locally owned and operated community bank which has been proudly serving the CSRA for over 100 years. We offer a wide array of deposit products and services to our customers with competitive rates on checking, savings, certificates of deposit, and IRA accounts.

  • Community First Bank, Inc.
  • 3685 Blue Ridge Boulevard, Walhalla, SC, 29691
  • Our mission is to provide superior performance and outstanding customer service, while earning a reasonable profit. We will maintain safety and soundness and remain an independent bank, while being fully aware of opportunities to acquire other financial institutions. Community First Bank opened for business in March of 1990.

  • The Wright Credit Union
  • 286 N. Broad Street, Toccoa, GA, 30577
  • The Credit Union was chartered on November 8, 1963 as Wright Manufacturing Employees Credit Union by the State of Georgia Department of Banking and Finance. The sewing plant owner, Ernest Wright, had been loaning his employees money from his own personal money. A need and common bond was established causing the employees to come together

  • Omega Psi Phi Fraternity Federal Credit Union
  • 568 Liberty Hill Rd, Toccoa, GA, 30577
  • The Omega Psi Phi Fraternity Federal Credit Union continues to provide financial avenues for the fraternity’s members, families and employees. With an excellent team of dedicated members of the Board, and Committees, we have a competitive, financially secure credit union.

    We encourage you to join, save, borrow,

  • Ecusta Credit Union
  • 2074 Asheville Highway, Brevard, NC, 28712
  • Ecusta Credit Union was founded in 1976 in order to provide the Olin Corporation employees with a safe, convenient place to save as well as borrow – a financial institution dedicated to their best interest.

    After several name changes, we are now known as Ecusta Credit Union, we offer our services to everyone who lives, works, worships

  • Carolina Financial Group
  • 100 Elks Club Rd, Brevard, NC, 28712
  • Bruce Roberts (CEO of Carofin and Carolina Financial Securities—Carofin’s parent company), and Peter Milhaupt (Chairman of Carolina Financial Securities). Their paths had crossed many times, both in finance and as friends, when in 1995 they became business partners in the formation of the Carolina Financial Securities (CFS).

  • Stonegate Mortgage
  • 8723 Highway 29, Hull, GA, 30646
  • Stonegate Mortgage Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team.

  • SRP Federal Credit Union
  • 1070 Edgefield Road, North Augusta, SC, 29860
  • Since our founding in 1960, SRP Federal Credit Union has been dedicated to our members. The members are the heart of the credit union and the sole purpose for our existence. Today, we serve as the financial institution for over 168, 000 members; we continue to provide sound savings programs, checking accounts, competitive loan options

  • Americas First Mortgage Lending Company
  • 601 North Belair Square, Suite 26, Evans, GA, 30809
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs

  • AUGUSTA MORTGAGE SOLUTIONS
  • 141 North Belair Road, Suite 102, Evans, GA, 30809
  • Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.

  • First American Bank & Trust
  • 300 College Avenue, Athens, GA, 30601
  • At First American Bank & Trust, our core convictions are not just vague words in a book no one reads. For us, it's the way our business is done. We found them easy to identify because it's what we do. They're what make us the strong and stable, local bank that's here for you. We are a financial institution that specializes in serving you.