USDA VS FHA in Seneca, Oconee County, SC

In 2025, the USDA loan limit for Seneca, within Oconee, SC, is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess today's leading USDA versus FHA rates and establish the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding in the decision of which program best suits your financial situation in Alabama.

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2025 Loan Limits and Downpayment Requirements in Seneca, Oconee, SC

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Seneca, SC

Lendersa® is committed to helping you secure the most favorable USDA or FHA loan effectively and without stress. Begin with one of three pathways that link you to matching lenders and USDA loan programs.

Lendersa USDA loan request matching results

What is a USDA Loan in SC?

A USDA home loan is backed by the Department of Agriculture, commonly referred to as a USDA rural development loan or mortgage. These loans are available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans mandate no down payment, offering distinct advantages to eligible borrowers in rural regions.

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



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