In 2026, the USDA loan limit for a single-family home in James-Island, located in Charleston, SC, stands at $285,000. Meanwhile, the FHA loan limit is $414,000.
To evaluate the best rates available today for USDA versus FHA loans, make use of the Lendersa® USDA loan calculator. This tool helps identify the necessary income, credit rating, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows side-by-side comparisons of USDA, FHA, VA, and Conforming loans, aiding in the selection of the most suitable program for your financial scenario in
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| Loan Type | Loan Limit | Down payment | |
| USDA | $285,000 | 0% | |
| FHA | $414,000 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to provide you with the most favorable USDA or FHA loan swiftly and conveniently. Begin by choosing one of three pathways that connect you with suitable lenders and USDA loan programs.
The USDA home loan, also known as the USDA rural development loan, is a government-backed mortgage provided by the Department of Agriculture. It's available exclusively for rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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