USDA Vs. FHA Pro and Con comparison in Shell-Point, Beaufort County, SC
For 2026, the USDA loan cap in Shell-Point, located in the county of Beaufort, SC, is $285,000, whereas the FHA loan limit for a single-family home reaches $379,500.
Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA vs FHA rates available today. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator presents the USDA, FHA, Conforming, and VA options side by side to assist in selecting the best program for your financial scenario, particularly in regions like .
2026 Loan Limits and Down Payment Requirements in Shell-Point, County of Beaufort, SC
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$379,500
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Shell-Point, SC
Lendersa® aims to provide the best possible USDA or FHA loan quickly and conveniently. Choose one of three pathways designed to match you with suitable lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively offered in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, no down payment is needed for USDA mortgages.
At Georgia Heritage FCU, it’s all about you. Our mission is making a positive difference for our members and the communities we serve. As a not-for-profit organization, we put members first. We strive to maintain a one-on-one relationship with our members while providing them with a full line of financial resources.
GPA Credit Union has been open since 1952. The GPA Credit Union is one of the oldest financial organizations in Savannah, Georgia. We exist to provide a high level of personal financial service and support for Georgia Ports Authority employees and their immediate families. This credit union is federally insured by NCUA.
1100 North Jefferies Boulevard, Walterboro, SC, 29488
Bank of the Lowcountry is a local community bank founded in Walterboro, SC – the “front porch of the Lowcountry.” Our institution was founded by ten prominent Walterboro businessmen in October of 1988, resulting in the first commercial chartered bank organized in Walterboro in over 65 years.
1ST FEDERAL SAVINGS BANK OF SC, INC. “The Family Bank” Our institution was established in August of 1963 as First Federal Savings & Loan Association of Walterboro. Through the years our name has changed, but our founding principle has remained the same: providing outstanding service
HomeSpring Mortgage is a South Carolina-based direct portfolio lender. We do not broker any loans. We lend exclusively in South Carolina for residential and commercial properties.HomeSpring is a full-service, non-QM lender that partners with mortgage professionals working in the non-government mortgage sector by making decisions that focus on a bor
HomeSpring Mortgage is a South Carolina-based direct portfolio lender. We do not broker any loans. We lend exclusively in South Carolina for residential and commercial properties. HomeSpring is a full-service, non-QM lender that partners with mortgage professionals working in the non-government mortgage sector.
Memorial Health Credit Union is a 48 year-old not-for-profit financial cooperative established in 1972. Our team works hard for each & every member by answering interest rates questions, qualifying new members, assembling due diligence on loans, setting up customized savings accounts, establishing direct deposits and helping with new credit cards.
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
22 Ogletthorpe Professional Blvd, Savannah, GA, 31406
Savannah Postal Credit Union is a State-chartered credit union incorporated June 6, 1952. For more than 53 years we have existed solely for the purpose of serving our members' best interests. The credit union was originally established for employees of the United States Postal Service. Today we serve 10 employee groups in Savannah
American Financial Services is one of the oldest loan companies in Savannah. Our first office opened in 1956, and we still proudly serve people of Chatham County and the nearby towns sixty years later. In 2010, American Financial Services merged with Coastal Finance Company and relocated to the present location at 7712 Waters Ave, Savannah, GA.
