USDA Vs. FHA your options comparison in Rock-Hill, York County, SC

In 2025, the USDA loan limit in Rock-Hill, located within York county, SC, is set at $285,000. Meanwhile, the FHA loan cap for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today, and determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side-by-side, guiding you to the best option for your financial scenario in Alabama.

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2025 Loan Limits and Downpayment Requirements in Rock-Hill, York, SC

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Rock-Hill, SC

Lendersa® is dedicated to helping you secure the most favorable USDA or FHA loan quickly and with ease. Pick from three starting points designed to connect you with matching lenders and available USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in SC

A USDA home loan is guaranteed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or mortgage. It is exclusively available in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment, offering a significant advantage to eligible applicants in rural locations.

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



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