USDA Vs. FHA your options comparison in Ladson, Berkeley County, SC
In 2025, the USDA loan limit in Ladson, within Berkeley, SC, is $379,000. Meanwhile, for FHA, the limit is $538,200 for a single-family home.
Leverage the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today. Evaluate the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options for you to decide on the best program for your financial situation in Alabama.
2025 Loan Limits and Downpayment Details in Ladson, Berkeley, SC
Loan Type
Loan Limit
Down Payment
USDA
$379,000
0%
FHA
$538,200
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Selections in Ladson, SC
Lendersa® is dedicated to obtaining the most suitable USDA or FHA loan effortlessly. Start with one of three pathways leading to lenders and USDA loan programs match.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or mortgage. This kind of loan is available only in rural areas. Unlike the FHA loans, which need a minimum of 3.5% down payment, USDA loans do not require any down payment.
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