USDA Loan Vs. FHA loan pro & con Red-Bank, Lexington County, SC

In 2026, the USDA loan limit in Red-Bank, within the county of Lexington, SC, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today’s best USDA versus FHA rates to determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA loans side by side to help decide the ideal program for your financial needs in .

USDA and FHA Loan Options in Red-Bank, SC

Lendersa® aims to promptly provide you with the best possible USDA or FHA loan without complications. Choose one of three starting paths that lead to compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in SC

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture, meant solely for rural areas. Unlike FHA loans that demand at least a 3.5% down payment, USDA loans have no down payment requirement.

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(706) 860-4200 Lender's profile and map Reviews AUGUSTA MORTGAGE CO. 243 Davis Road, Augusta, GA, 30907 Established in 1976, Augusta Mortgage Company is Augusta’s oldest independent mortgage company. Utilizing the latest in technology, Augusta Mortgage Company can provide our customer’s loan approval within minutes of application and tailor the most appropriate and competitive services. We were Augusta’s first direct endorsement FHA lender
(706) 922-1684 Lender's profile and map Reviews MORTGAGE FIRST AUGUSTA 1030 Jimmie DYess Parkway, Suite 7, Augusta, GA, 30909 Mortgage First Augusta 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 straightforward by offering you the latest in financial tools
(864) 941-8900 Lender's profile and map Reviews Neighbors United FCU 218 Birchtree Drive, Greenwood, SC, 29649 Our mission is to offer superb and secure services to our members while assisting in achieving personal financial success. We strive to accomplish the credit union philosophy of “People Helping People” and to provide superior service resulting in member satisfaction. Our vision is to be our member’s financial institution.
(404) 376-2609 Lender's profile and map Reviews Americas First Mortgage Lending Company 601 North Belair Square, Suite 26, Evans, GA, 30809 We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
(706) 860-5514 Lender's profile and map Reviews 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.
(888) 825-2265 Lender's profile and map Reviews 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!
(803) 496-5011 Lender's profile and map Reviews 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.
(803) 635-9142 Lender's profile and map Reviews 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
(800) 845-1614 Lender's profile and map Reviews 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.
(706) 359-3131 Lender's profile and map Reviews 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.
(803) 619-6604 Lender's profile and map Reviews 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.