For 2026, the USDA loan limit in Lake-Wylie, within the county of York, SC, is $285,000. Meanwhile, the FHA limit for a single-family home there is $356,362.
Use the Lendersa® USDA loan calculator to compare current USDA vs. FHA rates and ascertain the needed income, credit, reserves, and documents. Our advanced mortgage calculator enables a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting in choosing the program in
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| Type of Loan | Loan Limit Amount | Down Payment Percentage |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to secure you the most favorable USDA or FHA loan quickly and with ease. Choose from three approaches to connect with matching lenders and USDA loan options.
A USDA home loan is a government-backed mortgage facilitated by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA mortgages need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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