In the year 2026, the USDA loan limit for Spartanburg, situated within the county of Spartanburg, SC, is $336,500. Meanwhile, the FHA limit for a single-family residence is $472,030.
To compare today's leading USDA versus FHA rates, utilize the Lendersa® USDA loan calculator, which also helps you ascertain the income, credit, reserves, and documents needed for qualifying. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, assisting you in determining the most suitable program for your specific financial situation in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to obtaining the best available USDA or FHA loan for you quickly and effortlessly. Choose from one of three starting options that connect you with suitable lenders and USDA loan programs.
The USDA home loan is a government-backed mortgage through the Department of Agriculture, commonly called a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas, and unlike FHA loans which require a minimum down payment of 3.5%, USDA loans do not necessitate any down payment at all, providing significant benefits to eligible borrowers in qualified regions.
Enter your location to find out if it qualifies for USDA rural housing loan?
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