As of 2026, the USDA loan cap in North-Augusta, part of Aiken county, SC, is $285,000, while the FHA limit for a single-family residence is $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's prime USDA versus FHA rates, identifying the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial situation in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is dedicated to helping you quickly secure the most suitable USDA or FHA loan, without hassle. Choose from three starting paths that link you with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans need none, offering significant advantages to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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