As of 2026, the USDA loan limit in Lugoff, Kershaw, SC is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess today's USDA versus FHA best rates, determining the required income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program for your financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to quickly secure you the best USDA or FHA loan without complications. Begin with one of three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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