USDA and FHA Pro and Con in Lake-City, Florence County, SC
In 2026, the USDA loan limit in Lake-City, located in Florence, SC, is set at $285,000. Meanwhile, the FHA limit for a single-family home stands at $356,362.
Utilize Lendersa®'s USDA loan calculator to compare today's USDA versus FHA rates and determine the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can analyze USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Lake-City, Florence, SC
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Lake-City, SC
The aim of Lendersa® is to quickly provide you with the best possible USDA or FHA loan. Select one of three initial approaches to link with lenders and USDA loan programs.
The USDA home loan, also called the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is intended exclusively for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment, enhancing accessibility.
LifeTree Lending, LLC, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. 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
2557 Ashley Phosphate, North Charleston, SC, 29418
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our mission is to serve our customers with honesty, integrity and competence.
At Caro, we are focused on changing people’s lives with creative problem-solving solutions to the financial challenges life throws at you, both simple and complex. We give you the tools you need to succeed, help you achieve your goals and work together on a plan that is easy to follow. Caro treats every person with equal importance.
At Unity Mortgage of SC LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
4401 Belle Oaks Drive, Suite 210, North Charleston, SC, 29405
Peoples Bank Mortgage is a wholly-owned subsidiary of Peoples Bank in Mendenhall, Mississippi that has been in business since 1908. Peoples Bank Mortgage offers an array of mortgage loan products which suit each individual borrower’s requirements. Whether you are a first-time home buyer, refinancing your existing mortgage
CPM Federal Credit Union was formed in 1955 by employees of the Charleston Paper Mill. We started in an old construction shed and our mission back then was to make affordable loans and deliver exceptional service to the employees of the Mill and improve their financial wellbeing. Since that time CPM has grown to $520 million in assets.
4024 Salt Pointe Parkway, Suite A, North Charleston, SC, 29405
Carolina One Mortgage offers the promise of longevity and security along with a commitment to service excellence. We are recognized as the industry leader in mortgage partnerships because we are experts in our business and deliver outstanding service to our customers. Carolina One Mortgage offers hundreds of loan choices to our customers.
900 Johnnie Dodds Blvd, Suite 105, Mount Pleasant, SC, 29464
At First Reliance Bank, our purpose is to make the lives of our customers BETTER. And it has become a reality. We consistently deliver a level of service that is far superior to other Banks. Since we founded the Bank, a lot of things have changed, both good and bad. But through it all, we’ve clung to our seven values.
159 Civitas Street, Suite 212, Mount Pleasant, SC, 29464
We offer the best mortgage tools available on the Internet easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
1156 Bowman Road, Unit 200, Mount Pleasant, SC, 29464
Fred Graham, President at Moultrie Mortgage.After almost two decades on Wall Street, this native North Carolinian was thrilled to return to his Southern roots, close to family & friends,to become an entrepreneur.Fred's experience as a credit analyst,interest rate forecaster & asset manager,covering a wide range of sectors including consumer finance
1032 Chuck Dawley Blvd, Suite 101, Mount Pleasant, SC, 29464
Our mission at Barley Mortgage is to deliver honest mortgage solutions that you, your family, your friends and our community can depend on for years to come. Our dedicated and knowledgeable staff is committed to helping you understand and guide you through the mortgage process with honesty and integrity.
