USDA and FHA Pro and Con in Pickens, Pickens County, SC
In 2026, the USDA loan limit for Pickens in Pickens county, SC, stands at $336,500. Comparatively, the FHA limit for a similar single-family home equals $472,030.
Utilize the Lendersa® USDA loan calculator to assess the most competitive USDA and FHA rates offered today. It can help you understand the income, credit, reserve requirements, and paperwork necessary for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the most suitable program for your finances in places like .
2026 Loan Limits and Down Payment Requirements for Pickens, Pickens county, SC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Pickens, SC
Lendersa® aims to swiftly and smoothly secure the best USDA or FHA loan for you. Choose from three starting points to connect with lenders and suitable USDA loan programs.
A USDA home loan is a government-backed loan by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is specifically for rural areas. Unlike FHA loans, which need a minimum down payment of 3.5%, USDA loans require no down payment at all.
Pickens Federal Credit Union has a strong heritage with Pickens County, dating back to 1961 Our mission is to actively serve all members with respect and dignity, while providing a variety of beneficial services that are consistent with the Credit Union Philosophy of "People Helping People.
While our name has changed, formerly SC Telco Federal Credit Union, our mission to improve the financial lives of our members has never wavered. Our credit union has spent more than 85 years focusing on one simple goal: to provide trustworthy financial solutions that empower everyday people to take ownership of their future
Greenville Federal Credit Union is a community-responsible financial institution providing the highest quality of service and financial education to all our member-owners. We build member prosperity by providing access to affordable financial services. Headquartered in Greenville, South Carolina, Greenville Federal Credit Union was founded in 1968
We have a full range of financial products and services designed to improve the financial lives of our members. Greenville Heritage FCU has consistently earned the Five-Star Superior rating from Bauer Financial Inc. in Coral Gables, Florida. This rating identifies our Credit Union as one of the strongest, financially sound credit unions.
Our primary focus naturally tends to be the Upstate of South Carolina because we are headquartered in the heart of Greenville! However, we are licensed to lend throughout the state. So if you are buying a condo downtown, a second home up on Paris Mountain, or a relaxing beach house in Charleston, we are ready to be your mortgage team!!
SC Home Lending, LLC We’re making getting a mortgage easier than ever before. Our company has an experienced team of brokers on staff. From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 30 days.
Preferred Financial Services, Greenville, SC has always been to create an opportunity for home owners and home buyers to purchase or refinance their home at a rate that would not only be affordable and lower than any other mortgage company in South Carolina, but would enhance their home buying experience and their bottom line.
We offer full mortgage services because our clients have different needs. Every situation is different, and what’s best for one person may not be ideal for another. We’re committed to consulting individually with every client to ensure we fit each one with the best product possible.
Lima One Capital, LLC is a National, fully capitalized, direct lender for residential real estate investors and homebuilders. We are revolutionizing the investor financing industry with our highly competitive and straightforward rates, the length of our loans, and our unmatched customer service.
