USDA and FHA Pro and Con in Lugoff, Kershaw County, SC
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 .
2026 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.
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.
First Palmetto Bank, one of South Carolina’s oldest financial institutions remains headquartered in the state’s oldest inland city of Camden. First Palmetto has grown to become one of the largest locally owned full-service financial institutions headquartered in South Carolina, with twenty-three branch locations across the state.
Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience over 20 years in the industry. Providing the best Options for purchasing or refinancing your home loans We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing.
2711 Middleburg Dr, Suite 103, Columbia, SC, 29204
Lends in South Carolina
Columbia Mortgage Corporation can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We can even help you pay down your balance more quickly for a comparable monthly payment.
Palmetto Citizens exists solely to serve the financial needs of our members, not profit from them. We offer products, services and educational programs to help our members achieve their financial potential. We believe in providing a high level of personalized service while maintaining low loan rates, high savings rates and fewer fees.
PHCU is a full service credit union committed to being your trusted partner for financial services, including loans & a wide variety of savings options. Federally Insured by NCUA. Equal Housing Lender and also Palmetto Health Credit Union (PHCU) is a not-for-profit financial cooperative owned by its members and governed.
Golden Gate Mortgage was founded in 1999 in Columbia, SC with the goal of providing the best home loans, refinancing and home loan rates to customers across the Palmetto State. We’re proud to say we’re still here when many other mortgage brokers are not, and we have a long list of satisfied customers who have found their home loan.
Gulfstream Mortgage is a South Carolina Corporation that began providing mortgage loans in 1991. We lend only in the state of South Carolina and we have helped thousands of customers over the last three decades. If you like personal one-on-one service and reaching your loan officer with one simple phone call, email.
"Resource Financial Services was founded in 2008 by a handful of experienced mortgage bankers who wanted to make it easier to get a home loan in South Carolina.
We sold our company at the end of 2012, but we never left the mortgage industry and the opportunity to relaunch as Resource Financial Services presented itself at a perfect time."
At Caro, we are focused on changing people’s lives with creative problem-solving solutions to the financial challenges life throws at you, both simple and complex. We give you the tools you need to succeed, help you achieve your goals and work together on a plan that is easy to follow. Caro treats every person with equal importance.
