USDA Vs. FHA Pro and Con comparison in James-Island, Charleston County, SC
In 2025, USDA loan limit in James-Island, county of Charleston, SC is $285,000 while FHA limit is $414,000 for a single-family home.
Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.
2025 loan limits and downpayment requirments in James-Island, county of Charleston, SC
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$414,000
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA loan options in James-Island, SC
Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.
USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
People's Bank and Trust Company of Pickett County was established in November 1978 and since that time has grown to over $200 million in total assets. In March 2006 our holding company, Upper Cumberland Bancshares, Inc, opened a sister bank in Albany, Kentucky. On July 15, 2021, we combined the two banks to give our customers the convenience of two
Cha-Tel Federal Credit Union was organized and received its Federal charter on November 18, 1963. Since that time we have grown to over 10 million in assets and over 2, 100 in membership.
When you become a credit union member, you become one of its owners. You help to elect the officers and you are eligible to serve the membership as a volunte
APR Mortgage LLC assists our clients with all matters relating to real estate and mortgage. Our goal as a company is to provide our clients with the confidence and experience to enable them to purchase the home of their dreams. We specialize in handling difficult loans that banks will not handle.
7357 International Place, Suite 102, Sarasota, FL, 34240
"Co-founded by Kirk Chivas and Ken Turkington in 2007, First Commerce Financial was created to provide the residents of Michigan with simple and objective financial solutions, thus resulting in a positive mortgage experience.
Using over 60 year’s experience, we pledge to earn your trust through unparalleled service, integrity and communication
6151 Lake Osprey Drive 3rd Floor, Sarasota, FL, 34240
Braun Mortgage Group, believe in challenging what has become the lending process standard. We believe that obtaining a mortgage loan should be a smooth, transparent & pleasant part of the home buying process. We believe in educating our clients and informing everyone involved throughout the process
The APR Commercial Funding team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
7345 International Place, #108, Sarasota, FL, 34240
Creative Lending LLC is locally owned and operated and has been in the same location for 15 years. We strive to be honest and upfront with customers while providing the best possible service. Lending LLC is locally owned and operated and has been in the same location for 15 years.
1025 West Indiantown Road, Suite 106, Jupiter, FL, 33458
We are Direct Hard Money Lender in Palm Beach County in South Florida. We will lend on all asset types for business purposes. We provide a free online application that takes less than 3 minutes to fill out. We are a small family-owned business which has been operating for over 40 years.
TLOA offers financing to real estate investors and is considered one of the best private lenders in the industry. Our management team has over 15 years of extensive underwriting knowledge in over 20 States. In addition, the team has originated loans of varying size, loan structure, purpose, and collateral types.
We do All Mortgage Loans in Florida- Purchase, Refi, Cashout, Construction, VA, low credit, stated income, no tax returns, bank statement program, Self-Employed If we can't get it done no one can. In business for 25 years - we work for you to get you the best rates possible. You are buying a home or refinancing, we can help you realize your dream
