USDA and FHA Pro and Con in Murrells-Inlet, Georgetown County, SC

For 2026, the USDA loan cap in Murrells-Inlet, located in Georgetown, SC, is $285,000. Meanwhile, the FHA cap for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates and pinpoint the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side to help determine which program is optimal for your financial needs in .

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2026 Loan Limits and Downpayment Requirements in Murrells-Inlet, Georgetown, SC

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Murrells-Inlet, SC

Lendersa® aims to swiftly provide you with the best USDA or FHA loan without hassle. Choose one of three starting strategies to match with appropriate lenders and USDA programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in SC

The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment, enhancing affordability.

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



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