USDA Vs. FHA your options comparison in Lugoff, Kershaw County, SC

As of 2025, 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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2025 Loan Limits and Down Payment Requirements in Lugoff, Kershaw, SC

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Lugoff, SC

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.

Lendersa USDA loan request and matching results

What is a USDA Loan in SC?

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?



  • 24/7 Mortgage Corporation
  • 9741 Bolsa Avenue, Suite 217, Westminster, CA, 92683
  • At 24/7 Mortgage, our team is committed to providing an excellent and streamlined mortgage experience for our clients and partners. We are a professional, responsive, and organized team, and these values are reflected in everything we do. Through the use of technology and the application of our industry knowledge,
  • VN Mortgage Inc.
  • 8201 Westminster Boulevard, Suite 200, Westminster, CA, 92683
  • VN Mortgage have more than 30 years in the mortgage industry. We can easily assist you in getting the best loan at the lowest rate available that will fit your needs. Whether is purchasing a new home or refinancing, we are here to help. Our motto is funding your dream. Our Licensed Realtors give you a personalized customer.
  • Apple Direct Funding
  • 8622 E. Garvey Ave, Suite 206, Rosemead, CA, 91770
  • Apple Direct Funding Corp was founded in 1994. The Company's line of business includes arranging loans for others on a commission or fee basis. We are a mortgage correspondent. We are using our warehouse line to fund loans which means faster service to close transactions. Company Headquarter located in 8622 Garvey Ave # 206, Rosemead, CA 91770.
  • Alliance Home Loan Inc
  • 7940 E. Garvey Ave, Suite 204, Rosemead, CA, 91770
  • Alliance Home Loan Inc. is located in Rosemead, CA, United States and is part of the Activities Related to Credit Intermediation Industry. Alliance Home Loan Inc. has 2 total employees across all of its locations and generates $272, 197 in sales (USD). (Sales figure is modelled). Our Offers variety of programs for Purchase
  • Transpac Investment Corp.
  • 9800 Valley Boulevard, Rosemead, CA, 91770
  • Transpac Investment Corp, started by a husband and wife duo, has been helping the Southern California area since 1998. Since then we have helped thousands of borrowers with all types of financial situations purchase and refinance their homes! We work with both english and mandarin speakers, helping a range of clients
  • Interstate Lenders
  • 3153 Gladys Ave, Monterey Park, CA, 91770
  • "I have been helping friends and families with mortgage home loans since 2002. Prior to being a full time loan agent, I worked with Chase, Wells Fargo Bank and Bank of America. I have over 20 years of loan and financial services experience. I will always provide you with expert advice and give my best effort to meet your goals"
  • Brookdale Home Loans
  • 10834 Whittier Boulevard, Suite 103, Whittier, CA, 90606
  • Mike Medina Real Estate and Mortgage Broker. 15 years experience with 450+ homes sold.Providing service in residential, commercial, investment & development properties.Real Estate Broker with CA Properties and Realty. Mortgage Broker with Brookdale Home Loans.We streamline the process of closing a loan, with most loans funding in under 21 days.
  • Baker Boyer National Bank
  • 7 W Main St, Walla Walla, WA, 99362
  • Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. We are Eastern Washington’s trusted financial advisor, serving the Walla Walla Valley, Tri-Cities and Yakima communities, providing wealth management as well as personal and business banking services. Baker Boyer is the only local family of wealth management.
  • Banner Bank
  • 10 S 1st Ave, Walla Walla, WA, 99362
  • Banner Bank is proud to serve the West with comprehensive financial services. More than 130 years ago we started with core values that never go out of style: listen, learn and help people and businesses reach their goals. Today across Oregon, Washington, California and Idaho—we deliver a high level of individual service as a community Bank
  • Diversified Financing solutions
  • 16152 Beach Blvd, Suite 120, Huntington Beach, CA, 92647
  • Unlock your financial potential with Diversified Financing Solutions, spearheaded by Kip Adkins. Our mission is tailored financial strategies to ensure your business thrives. We offer unique, client-focused solutions designed to drive growth and efficiency. Connect with us to elevate your financial future.
  • Morningstar Mortgage & Reverse Mortgage
  • 17011 Beach Blvd, Suite 900, Huntington Beach, CA, 92647
  • Morningstar Mortgage is a Federal Housing Agency Approved Lending Institution. Approved Lender # 24053-00004. We are not simply a branch of one bank and limited to the reverse mortgage products they offer. We offer a range of different options from many wholesale lending sources both government insured, and privately held.
  • First Allied Financial
  • 16162 Beach Blvd, Suite 250, Huntington Beach, CA, 92647
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.