USDA Vs. FHA your options comparison in Shell-Point, Beaufort County, SC

For 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in SC

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.

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



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