USDA VS FHA in Tega-Cay, York County, SC

In 2025, USDA loan limit in Tega-Cay, county of York, SC is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Tega-Cay, county of York, SC

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Tega-Cay, SC

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in South Carolina?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Thomasville National Bank
  • PO Box 1999, Thomasville, GA, 31799
  • Thomasville Bank is to operate a sound and profitable company while serving the banking needs of the Thomasville/Thomas County community. We will strive to protect our customers deposits, meet their credit needs, & promote economic development throughout the community, while consistently generating strong returns on our shareholders' investment.
  • TC Federal Bank.
  • 131 South Dawson Street, Thomasville, GA, 31799
  • TC Federal Bank provides a premium banking experience built on a rich history and a long-standing Tradition of Trust. Our employees know, own and live by our company culture every day. This is articulated through our core values, which support our mission and shape our vision describe what we do and express how we serve.
  • Wholesale Mortgage Source, LLC
  • 12700 Townepark Way, Suite 111, Louisville, KY, 40242
  • Brian Curl is the founder of the Wholesale Mortgage Source, LLC company. Brian has been in the mortgage industry and originating home loans for twenty plus years. Wholesale Mortgage Source provides outstanding advice and service to first-time homebuyers and homeowners utilizing FHA, VA, USDA and conventional home loan mortgages.
  • United Financial Group, LLC.
  • 2500 Hermitage Way, Louisville, KY, 40242
  • ​United Financial Group, LLC is a Mortgage Lender founded by John Dziedzic in April, 2002. John’s vision in 2002 was to offer clients exceptional service through education, communication and to provide clients with optimal mortgage options. John and team UFG believe that providing clients with the right knowledge eliminates stress at closing time
  • Chessie Federal Credit Union
  • 15 Commerce Drive, Cumberland, MD, 21502
  • The mission of Chessie Federal Credit Union is to provide personal financial services to our membership in an efficient, friendly & convenient manner. The credit union idea was brought to Cumberland, Maryland when nine area men deposited a total of $65.00 to form the Cumberland B&O Employees Federal Credit Union.
  • Potomac Federal Credit Union
  • 215 Paca Street, Cumberland, MD, 21502
  • Potomac FCU is to help members achieve their financial goals by providing valuable financial products and services, creating a source of credit at fair and competitive rates while maintaining a friendly community focused culture. Potomac Federal Credit Union is committed to providing a website that is accessible to the widest possible audience.
  • ACT 1st Federal Credit Union
  • 14316 National Highway SW, LaVale, MD, 21502
  • ACT 1st Federal Credit Union was formerly Allegany County Teachers Federal Credit Union. The Credit Union was formed in 1950 by pooling funds from several teachers in the Allegany County School system. Today, the Credit Union serves individuals who live, work, worship, attend school in and businesses and other legal entities.
  • First Peoples Community Federal Credit Union
  • 153 Baltimore Street, Cumberland, MD, 21502
  • First Peoples Community Federal Credit Union is a member-owned cooperative committed to meeting the ongoing financial needs of its members in a safe, prudent personal manner, with the best service possible. As a community credit union, we support the development and expansion of the community.
  • First Mortgage Services
  • 203 Paca St, Cumberland, MD, 21502
  • First Mortgage Services understands that the purchase of a home, for many families, is the most important financial transaction that they will experience. We are committed to providing quality, personalized service and will take the time necessary to explain the mortgage loan that best meets the homeowner’s needs.