FHA Vs. USDA loan program for North-Charleston, Charleston County, South Carolina

In 2025, USDA loan limit in North-Charleston, county of Charleston, SC is $285,000 while FHA limit is $414,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in North-Charleston, SC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in South Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(706) 657-5678 353 miles Lender's profile and map Reviews Citizens Bank & Trust, Inc. 12255 South Main Street, Trenton, GA, 30752 Citizens Bank & Trust, Inc. provides banking services. The Company offers savings and deposit accounts, personal and business loans, cash management, online, and mobile banking services. Citizens Bank & Trust serves customers in the United States. Citizens Bank & Trust has branches in Trenton, GA, Lookout Mountain, GA, and Higdon, AL.
(706) 657-6842 353 miles Lender's profile and map Reviews Bank of Dade Trenton 12634 North Main Street, Trenton, GA, 30752 The Bank of Dade eventually moved to its current convenient location at the corner of U. S. Highway 11 and Georgia Avenue in the heart of Trenton’s business area where it has enjoyed a steady, consistent growth and is proud to have played a part, and to continue to play an even more important part, in the growth and development of Dade County.
(804) 774-7941 353 miles Lender's profile and map Reviews Blue Ridge Bank 11450 Robious Road N, Richmond, VA, 23235 Blue Ridge Bank is a leading community Bank that supports families and businesses through a wide range of financial services including retail and commercial Banking, payroll, insurance, card payments, wholesale and retail mortgage lending, and government-guaranteed lending. The Bank also provides investment and wealth management services
(800) 700-7885 353 miles Lender's profile and map Reviews Prospera Home Loans 7148 Hull Street Rd, Richmond, VA, 23235 We give a strong commitment to client satisfaction & success. All our mortgage loan programs are designed to help you get the most out of them. Together with our professional & emphatic loan officers, you are in good hands. Our loan products will be tailored-fit to your specific needs and situation.
(256) 439-5676 353 miles Lender's profile and map Reviews Family Savings Credit Union 711 E. Meighan Blvd, Gadsden, AL, 35903 "Family Savings Credit Union…. Where your money grows with you and your family, and ownership allows all members to prosper. The concept of a credit union is one where people can get better financial services by pooling their resources and working together. In 1951, these principles were brought to Gadsden, AL"
(757) 499-4303 353 miles Lender's profile and map Reviews Dragas Mortgage Company 4532 Bonney Rd, Suite A, Virginia Beach, VA, 23462 Dragas Mortage is a locally owned and operated lender in Hampton Roads for over 50 years. We provide personalized mortgage lending across Virginia. Whether purchasing a home or refinancing, our dedicated team will help you get prequalified quickly and easily and help you every step of the way. We're local and we're here for you
(757) 618-3858 353 miles Lender's profile and map Reviews OVM Financial 5040 Corporate Woods Drive, Suite 100, Virginia Beach, VA, 23462 Welcome to the McNulty Team at OVM Financial, where superior service meets down to earth reliability. Our team provides an unparalleled level of mortgage understanding, allowing you to enjoy a smooth and seamless process. We aim to serve you, and we take great pride in exceeding your expectations.
(757) 962-6788 353 miles Lender's profile and map Reviews Prime Mortgage Resources, Inc. One Columbus Center, Suite 600, Virginia Beach, VA, 23462 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(800) 244-4132 353 miles Lender's profile and map Reviews Virginia Wholesale Mortgage Incorporated 249 Central Park Ave, Suite 300, Office 116, Virginia Beach, VA, 23462 Whether you’re buying, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who gives you quick and accurate financial advice.
(757) 410-9963 353 miles Lender's profile and map Reviews Bay Mortgage, LLC 600 Virginia Beach, Virginia Beach, VA, 23462 We offer our clients the rare and valuable combination of consistently competitive rates, a very experienced team, and a superior service platform. We welcome the opportunity to share with you specifically how we provide these benefits to our clients and also providing an uniquely pleasant mortgage transaction experience where we act professionally