USDA VS FHA in Oak-Grove, Lexington County, SC

In 2026, the USDA loan limit set for Oak-Grove, located in Lexington, SC, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA best rates, determining the income, credit score, reserves, and necessary documentation to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most appropriate program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Oak-Grove, Lexington, 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 Oak-Grove, SC

Lendersa® strives to provide you with the most favorable USDA or FHA loan swiftly and conveniently. Select one of three initial paths to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in SC

A USDA home loan, sponsored by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is intended for rural communities only. Whereas FHA loans insist on a minimum of 3.5% down payment, USDA loans eliminate this requirement altogether.

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



  • AUGUSTA MORTGAGE SOLUTIONS
  • 141 North Belair Road, Suite 102, Evans, GA, 30809
  • Augusta Mortgage Solutions serves residential mortgage customers throughout the State of Georgia with a full selection of loan options. These include FHA, VA and conventional loans for purchase and refinance needs. We have the experience and the connections to provide a smooth mortgage process with a personal touch.

  • Arthur State Bank
  • 100 East Main Street, Union, SC, 29379
  • Working and Thriving, Together! Arthur State Bank has served the good people of South Carolina since 1933. Today Arthur State Bank operates 18 locations in Union Spartanburg, Greenville, Lexington, Clinton, Woodruff, Roebuck, Rock Hill, Columbia, & Chesnee. We continue to operate as one of the state’s oldest family-owned & operated community banks!

  • First National Bank of South Carolina
  • 801 Gilway Ave, Holly Hill, SC, 29059
  • At the turn of the century, Holly Hill was a small rural farming community where cotton was king, horse and wagon were the primary means of travel, and local folks hid or buried their savings for safety. The need for a bank was obvious, and on July 7, 1905, The Bank of Holly Hill was chartered. On September 4, 1905, with $15, 000 in capital.

  • PREFERRED MORTGAGE FINANCIAL
  • 122 S. Congress St., Allendale, SC, 29810
  • Preferred Mortgage Financial is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial

  • Founders Mortgage
  • 5300 Cureton Ferry Road, Catawba, SC, 29704
  • The Department of Veterans Affairs offers a loan guaranty program to veterans, current military members, and their families to assist them in becoming home owners during or after their time of military service. This program was begun in 1944 to aid returning service members who had fought in World War II. During the past seventy-plus years.

  • Farmers State Bank
  • 115 N. Washington Street, Lincolnton, GA, 30817
  • Farmers State Bank is a locally owned and operated community bank which has been proudly serving the CSRA for over 100 years. We offer a wide array of deposit products and services to our customers with competitive rates on checking, savings, certificates of deposit, and IRA accounts.

  • 1st Heritage Credit
  • 110 N Anderson Rd, Suite 118, Rock Hill, SC, 29730
  • First Heritage Credit is the perfect place to start a career in Consumer Finance. With operations in 100+ branch offices in Alabama, Louisiana, Mississippi, South Carolina, and Tennessee, we’re looking for motivated and customer-focused individuals to start a career with us. Our goal is to help our customers achieve their goals.

  • Qualfirst Mortgage
  • 742 N. Anderson Rd, Suite 118, Rock Hill, SC, 29730
  • Qualfirst Mortgage is a full-service mortgage brokerage firm, covering North and South Carolina, that is partnered with America's best Mortgage Lenders. We will provide to you the best service, best turnaround times, lowest rate and most flexible mortgage loan products and Qualfirst Mortgage has 30 years of lending experience

  • Carolina Capital Management
  • 234 Johnston St., Rock Hill, SC, 29730
  • Carolina Hard Money is a commercial loan broker company serving the needs of the Real Estate Investor borrower who are striving to build wealth and generate income for themselves and for their families. We offer “hard money rehab loans” for investors only in “North Carolina and South Carolina”. As part of our business practices, we also serve as co

  • Carolina Hard Money
  • 234 Johnston Street, Rock Hill, SC, 29730
  • Carolina Hard Money”, LLC is a commercial loan broker company serving the needs of the “Real Estate Investor” borrower (only) who are striving to build wealth and generate income for themselves and for their families. We offer “hard money rehab loans” for investors only in “North Carolina and South Carolina.

  • Palmetto State Bank
  • 601 First Street W, Hampton, SC, 29924
  • Palmetto State Bank, headquartered in Hampton, South Carolina, was founded in 1907. We have grown from a bank with $2 million in assets located in Hampton, to a one half billion dollar institution with seven branches serving Beaufort, Allendale, and Hampton counties.

    Our Board of Directors credit our exceptional growth to the fact

  • HopeSouth Credit Union
  • 807 W Greenwood Street, Abbeville, SC, 29620
  • HopeSouth Credit Union is dedicated to helping you realize your financial goals, such as reducing your debt, saving for higher education, buying your first home, or planning for retirement and also Proudly serving the financial needs of those who live, work, worship, or attend school in Abbeville County, South Carolina.