USDA VS FHA in Laurel-Bay, Beaufort County, SC

In 2025, 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 .

Discover loan offers from 100 different lenders

2025 Loan Limits and Down Payment Requirements in Laurel-Bay, Beaufort, SC

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $379,500 3.5%
Conventional Conforming $548,250 3%

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.

  1. Submit a comprehensive USDA/FHA loan request
  2. Check USDA and FHA rates & terms first
  3. Explore the extensive database of USDA lenders
Lendersa USDA loan request and matching results

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.

loan-calculator-comparison

Enter your location to find out if it qualifies for USDA rural housing loan?




  • Raymond C. Green Companies
  • 155 Federal St, Ste 1300, Boston, MA, 02110
  • The Raymond C. Green Companies is a direct, private lending organization located in Boston, MA. We provide fast, short term financing to builders, developers, and real estate investors throughout New England. Our borrowers are primarily those in need of closing quickly, and/or those seeking alternatives to traditional bank financing.

  • Middlesex Federal Savings
  • 1 College Avenue Davis, Somerville, MA, 02144
  • Middlesex Federal Savings is a full-service community bank headquartered in Davis Square Somerville, Massachusetts. It was established in 1890 as West Somerville Cooperative Bank. More than 130 years later, Middlesex Federal has grown from its modest beginnings. Established with only $840.20 in assets,

  • Somerville Municipal Federal Credit Union
  • 236 Holland St, Somerville, MA, 02144
  • Established on May 28, 1941, Somerville Municipal Federal Credit Union was started by people who were committed to helping their fellow City of Somerville employees save for retirement in an age when pensions were non-existent. In the 1960's, membership was extended to employees of the Somerville Housing Authority

  • Forward Financing
  • 53 State Street, Boston, MA, 02109
  • Forward Financing is a Boston-based financial technology company that provides fast, flexible working capital to small businesses nationwide. Our dedicated account representatives and advanced proprietary technology help our customers spend less time finding capital and more time growing their business.

  • Boston Private
  • 10 Post Office Square, Boston, MA, 02109
  • Boston Private We bring together a full spectrum of wealth, trust and banking services to give you the one trusted resource you need to simplify and strengthen your financial life. and also Boston Private is a bank with operations in four states. Boston Private offers numerous mortgage programs including conventional, jumbo, non-owner occupied, Hom

  • WHOLESALE MORTGAGE ADVISORS, LLC
  • 236 Commercial Street, Suite 100R, Boston, MA, 02109
  • Tim Lacyk, dove head first into the mortgage industry some 15 years ago. Originally hired as a Loan Closer (coordinates with Title the closing process the final loan figures, balances, and wires the money to closing), he also moved through a variety of roles after that, including post-closing management.

  • Investors Choice Lending
  • 8 Faneuil Hall Marketplace 3rd fl, Boston, MA, 02109
  • Investors Choice Lending is a private hard money lender offering Boston’s real estate investors a unique opportunity to secure the funds they need. When you’ve got eyes on your next investment property, there’s nothing you want more than to close quickly and without hassle. We’ve aligned ourselves with many National lending resources.

  • Winter Hill Bank, FSB
  • 342 Broadway, Somerville, MA, 02145
  • Winter Hill Bank is an independent, mutual, community bank that provides exceptional customer service and quality financial products. We are committed to providing value and the highest quality financial services to our depositors and borrowers and maintaining our role as a financial resource to our communities and surrounding market area

  • BELL FINANCE & DIAMOND FINANCE
  • 623 N Broadway, Suite B, Moore, OK, 74401
  • About Bell Finance/ Diamond Finance Signature Loans in Oklahoma Signature Loans are personal loans that rely on your signature to repay. This is a financial product that many people use all the time. With this type of loan, borrowers do not have to pledge collateral, such as their homes, businesses or automobiles

  • Muskogee Federal Credit Union
  • 4595 S. Muskogee Ave, Tahlequah, OK, 74401
  • MFCU has an option that’s right for you. We offer a range of services, accounts, loans, and investment opportunities. On January 28, 1936 an organizational meeting was held to establish a Credit Union for the employees of the Veterans Administration Facility and their families. Those present applied for a charter in the name of U.S. Veterans Facili

  • Armstrong Bank
  • 1111 W Broadway St, Muskogee, OK, 74401
  • Armstrong Bank has taken pride in providing exceptional customer service. As a family-oriented Bank with locations across Oklahoma and Arkansas, our Banking experts live and work in the communities that they serve. Armstrong employees dedicate their time and talents to a wide variety of community organizations

  • United Community Credit Union
  • 13700 E Sam Houston Parkway N, Houston, TX, 77044
  • United Community Credit Union has been open since 1950. The credit union has assets totaling $123.53 Million and provides banking services to more than 13, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans
Find more lenders

Bridge Loan Guides

TYPES OF LOANS WE HANDLE:

CITIES CLOSE BY:

"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."

NMLS 1795154

Copyright © 2025 | Lendersa, Inc. | All Rights Reserved | HQ: 22527 CRENSHAW BLVD ST E 201, TORRANCE, CA. 90505, USA | Hard Money Loans In Los Angeles, CA