USDA and FHA Pro and Con in Laurel-Bay, Beaufort County, SC

In 2025, USDA loan limit in Laurel-Bay, county of Beaufort, SC is $285,000 while FHA limit is $379,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Laurel-Bay, county of 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®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in South Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • HEMA Federal Credit Union
  • 8701 Georgia Avenue, Suite 407, Silver Spring, MD, 20901
  • HEMA Federal Credit Union is a cooperative financial institution chartered by the federal government and owned by its members. With assets surpassing $19 million we provide a safe place to save and borrow at reasonable rates. We are proud of our long tradition of providing financial solutions to our members, including those who have fewer choices.
  • Delmarva Power Federal Credit Union
  • 2530 N Salisbury Boulevard, Salisbury, MD, 21801
  • Our Mission is to provide the highest quality service to our members in loans, savings & services in a most professional, confidential & ethical manner. Delmarva Power FCU is a member-owned, not-for-profit, financial cooperative. Unlike commercial banks, credit unions return earnings to their members instead of profiting stockholders.
  • Salisbury Neighborhood Housing
  • 560 Riverside Drive, Suite A102, Salisbury, MD, 21801
  • Salisbury Neighborhood Housing Services (SNHS) is a private non-profit organization. Our mission is to cultivate sustainable neighborhoods with partnerships and lending that inspire self-reliance, growth and optimism. The organization was incorporated in 1994 with the vision of increasing homeownership
  • Sunny Lending LLC
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  • Sunny Lending LLC has a combined 25+ years of experience in the mortgage industry, including both residential and commercial mortgages. Our staff commands a wide range of experiences working with different banks and financial institutions. We provide unique service to better serve your financial needs.
  • Eagle Creek Mortgage
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  • Eagle Creek Mortgage, LLC
  • 2656 Quince Orchard Rd, Suite 120, Gaithersburg, MD, 20878
  • Eagle Creek Mortgage, LLC mission is to serve our clients with honesty, integrity and competence. Our goal is to provide no-points mortgage loans to our customers while affording them the lowest possible interest rates and closing costs. Furthermore, we pledge to provide unparalleled service to each and every one of our borrowers.
  • Fidelity Direct Mortgage LLC
  • 555 Quince Orchard Road, Suite 411, Gaithersburg, MD, 20878
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  • Equity Lending, Inc
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  • Entrust Mortgage, LLC
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  • Entrust Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Pathlight Home Mortgage Solutions
  • 10409 Brunswick Avenue, Silver Spring, MD, 20902
  • Pathlight Home Mortgage Solutions as a full service broker in Maryland, the District of Columbia, and Virginia, I partner with some of the best lenders to deliver residential and commercial mortgages for purchases and refinances quickly with low interest rates and low closing costs.
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  • 41 Ferry Street, Milton, KY, 40045
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