USDA Vs. FHA your options comparison in Irmo, Lexington County, SC
For 2026, the USDA loan limit in Irmo, within the county of Lexington, SC, is $285,000. Meanwhile, the FHA limit for a single-family home there is $356,362.
Use the Lendersa® USDA loan calculator to compare current USDA vs. FHA rates and ascertain the needed income, credit, reserves, and documents. Our advanced mortgage calculator enables a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting in choosing the program in best suited to your finances.
2026 Loan Limits and Down Payment Requirements in Irmo, County of Lexington, SC
Type of Loan
Loan Limit Amount
Down Payment Percentage
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Irmo, SC
The objective of Lendersa® is to secure you the most favorable USDA or FHA loan quickly and with ease. Choose from three approaches to connect with matching lenders and USDA loan options.
A USDA home loan is a government-backed mortgage facilitated by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA mortgages need no down payment.
Mr. Mortgage a SC based Mortgage Brokerage firm is a small business that has become a major influence in the mortgage industry. This has been accomplished through the determination & loyalty that we have toward the financial success of all our customers. Brokerage firm is a small business that has become a major influence in the mortgage industry.
The Mortgage Options Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of South Carolina. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team.
111 Executive Center Drive, Suite 225, Columbia, SC, 29210
Lends in South Carolina
Business Development Corporation (BDC) has been financing small businesses in South Carolina, leading to the creation of thousands of new jobs for the citizens of the Palmetto State. Since 1958, BDC and its associate company, Certified Development Corporation (CDC), have approved more than 2, 890 loans totaling in excess of $1.73 billion.
NAM is a leader in the non-QM origination & servicing industry. Whether you are a lender in need of licensed originators to assist with compliant underwriting or a licensed servicing partner for your loans, National Asset Mortgage is able to assist you. NAM is one of the most experienced low-balance, high-touch, complex servicing/subservicing firms
PHCU is a full service credit union committed to being your trusted partner for financial services, including loans & a wide variety of savings options. Federally Insured by NCUA. Equal Housing Lender and also Palmetto Health Credit Union (PHCU) is a not-for-profit financial cooperative owned by its members and governed.
United Financial Group provides customized financing solutions for large real estate and non-real estate projects, offering up to 100% LTV/LTC through 144A bond financing. With global reach, flexible terms, and expert management, we specialize in mezzanine debt, preferred equity, and joint ventures.
First Community apart from other places to work? It's simple: We treat you like family. We operate on a first-name basis and use it often, we remember that you had to take Buddy to the vet last week, and we know that you need to leave a little early on Tuesdays to get your kids to practice.
Empire Mortgage, LLC located in Lexington South Carolina. It gives us great honor to service the following areas, Lexington County, Richland County and the entire state of South Carolina. Over 15 million households experienced a foreclosure, short sale or bankruptcy during the economic crisis.
925 East Main Street, Suite B & D, Lexington, SC, 29072
Lends in South Carolina
Darin Bradford. My goal is to deliver a fast and smooth home buying process while providing the best customer service possible. If you're buying a home or looking to refinance, I'm here to help you. My team and I are dedicated, experienced, and ready to help you with a home loan. Contact us now and we'll get started.
