FHA Vs. USDA loan program for Laurel-Bay, Beaufort County, South Carolina

In 2026, the USDA loan limit set for Laurel-Bay in Beaufort, SC, stands at $285,000, whereas the FHA limit for a single-family home is $379,500.

Leverage the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates, assessing the required income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the program most suitable for your financial needs in .

USDA and FHA Loan Options in Laurel-Bay, SC

Lendersa® is committed to securing you the best USDA or FHA loan swiftly and without hassle. Choose one of three initial paths that result in matching you with lenders and the right USDA loan programs.

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Explaining USDA Loans in SC

The USDA home loan, also widely known as the USDA rural development loan or USDA mortgage, is supported by the Department of Agriculture and is specifically intended for rural areas. It contrasts with FHA loans that require a minimum down payment of 3.5%, as USDA loans necessitate no down payment whatsoever.

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(757) 571-9200 Lender's profile and map ANNUVA Financial 110 Traders Cross, Suite 119, Bluffton, SC, 29909 Lends in South Carolina At ANNUVA Financial we are committed to maintaining the highest standards of integrity and professionalism in our relationship with you our client. At ANNUVA Financial we endeavor to know and understand your financial situation and provide you with only the highest quality information, services, and products available to help you reach your goals.
(843) 603-5924 Lender's profile and map The Kristoff Team 181 Bluffton Road, Suite F-102, Bluffton, SC, 29910 Lends in South Carolina The Kristoff Team has been lending locally in Hilton Head Island and Bluffton since 1989. We have worked with thousands of clients and received numerous top producer awards by lending $3 billion over our combined 50 years. Our philosophy is simply, “say what you mean, mean what you say, and do what you say you’re going to do.”
(863) 409-8909 Lender's profile and map Mortgage Lending Associates 23 Anchor Cove Court, Bluffton, SC, 29910 Lends in South Carolina Finance. Jason has been in the mortgage industry since 2001 and founded Mortgage Lending Associates in 2003. He is an experienced and knowledgeable mortgage executive, he has personally funded over 100 million in residential loans. Outside of mortgage lending Jason enjoys running, playing basketball and spending time with his two children
(843) 341-9900 Lender's profile and map Coastal States Bank 5 Bow Circle, Hilton Head Island, SC, 29928 Lends in South Carolina Our story began in 2004 when CSB opened its doors in Hilton Head Island, South Carolina as southern Beaufort County’s only locally-owned bank. Our founders saw an opportunity to serve the community through a relationship-based bank, staffed by friends and neighbors to serve friends and neighbors.