USDA VS FHA in Spartanburg, Spartanburg County, SC
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.
2026 Loan Limits and Downpayment Requirements in Spartanburg, Spartanburg, SC
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Spartanburg, SC
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.
VITAL Federal Credit Union exists for you – for your financial health, for your access to a fair source of credit, for your community, and for your ability to reach your financial goals. We believe these are necessary aspects of your life. You could say we think they are VITAL.As a member of VITAL Federal Credit Union.
Carolina Foothills is guided by 8 core principles that allow us to focus on the individual member’s needs. With over 125 partners and three distinct service communities, we are able to offer vital financial tools and options. While you can make business transactions anytime online from your phone or computer with ease.
Woodruff Federal was founded in 1934 by a group of local business leaders to serve the savings and loan needs of the small town’s growing textile community. Ever since, we’ve stayed true to our founding purpose to remain an S&L…and serve as a safe, secure place that folks could rely on to get a home loan or build their savings deposits
2117 Boiling Springs Rd, Boiling Springs, SC, 29316
Lends in South Carolina
"Pathway Mortgage has set itself apart in the South Carolina mortgage lending community through a focus on three core values: honesty, transparency, and customer service.
Pathway Mortgage was founded in 1998 in Spartanburg, South Carolina. Over the past twenty years, founder Kevin Love and co-owner Jeff Henry have steadily grown"
Working and Thriving, Together! Arthur State Bank has served the good people of South Carolina since 1933. Today Arthur State Bank operates 18 locations in Union Spartanburg, Greenville, Lexington, Clinton, Woodruff, Roebuck, Rock Hill, Columbia, & Chesnee. We continue to operate as one of the state’s oldest family-owned & operated community banks!
The AGS Financial Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Secured Advantage Federal Credit Union was first organized in 1959 by a group of Cryovac employees. In 1998, when the brand packaging solutions company was acquired by Sealed Air Corp, the credit union expanded to serve the larger multinational corporation specializing in food care, product protection and healthcare solutions.
SC Home Loans is a local, family owned company with a mission to serve our community. We believe the rates and fees offered by banks and other financial institutions can be excessive. Our desire is to help you navigate the complexity of today's mortgages, because we understand the needs of South Carolina families.
MTC Federal Credit Union was founded in 1976 to serve the employees of Michelin, North America. Our roots grew from serving those who value hard work and not afraid to get their hands dirty. Over the years, we have expanded with an inclusive membership we call the MTC Federal Community.
