USDA Vs. FHA your options comparison in James-Island, Charleston County, SC
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 .
2026 loan limits and downpayment requirements in James-Island, 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® 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.
147 Wappoo Creek Drive, Suite 105, Charleston, SC, 29412
Lends in South Carolina
At Homegrown Financial, we know you want financial freedom as you age. To achieve that, you need a smart and safe way to access an important retirement asset: home equity. The problem is traditional retirement sources are becoming unreliable and you’re worried about which options will allow you to best monetize your home equity in retirement.
Lending HQ works with borrowers with do not meet the traditional bank loan guidelines in order to secure funds for residential and commercial real estate transactions via private investors. We can use all property types as collateral, residential & commercial, including vacant land and mobile home parks.
First Capital Bank’s mission is to provide profitable, competitive and responsive community banking services, which exceed the expectations of our customers, stockholders and employees. First Capital Bank is a community bank with an emphasis on special attention to our customers.
The Bank of South Carolina is a state-chartered financial institution with depository accounts insured by the FDIC. The Bank was organized on October 23, 1986, and our first office opened for business on February 26, 1987. It is a wholly-owned subsidiary of Bank of South Carolina Corporation which became effective on April 17, 1995.
25 Cumberland Street, Suite 120, Charleston, SC, 29401
Lends in South Carolina
SweetGrass Capital makes homeownership possible for more South Carolinian’s than any other state based lender. Our philosophy is to keep marketing and advertising expenses at a minimum, instead allocating those funds to optimize a streamlined loan process. This allows us to provide our clients with lower rates and a higher level of customer service
Coastal Equity Group offers both short and long-term financing for investors striving to build their wealth and generate income for a better future. As a lender, we strive to offer our borrowers smart investment solutions to help generate income and build their portfolio. Our team works quickly and ethically.
215 East Bay Street, Suite 403-F, Charleston, SC, 29401
Lends in South Carolina
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
170 Meeting Street, Suite 501, Charleston, SC, 29401
Lends in South Carolina
Asset Group, LLC is a specialty finance firm with a focus on structured credit solutions across the capital stack. Ivy executives have extensive management experience in leveraged lending, investment banking, operations, financing, and consulting. We employ a pragmatic approach to private lending emphasizing disciplined.
578 East Bay Street, Suite D, Charleston, SC, 29403
Lends in South Carolina
In the spring of 2017, the concept of Beacon Community Bank was developed by a group of local businessmen and women to fill a void created by recent mergers and acquisitions of a number of locally owned banks. At that time, only one local bank remained, when a decade prior there had been as many as seven.
