USDA Vs. FHA Pro and Con comparison in West-Columbia, Lexington County, SC
In 2026, the USDA loan limit for West-Columbia within Lexington, SC, reaches $285,000. Meanwhile, the limit for an FHA loan is $356,362 for a single-family dwelling.
Take advantage of the Lendersa® USDA loan calculator to compare today’s prime USDA and FHA rates. Determine the criteria such as income, credit score, reserves, and documentation necessary for qualification. Our advanced mortgage calculator gives you a comprehensive comparison of USDA, FHA, Conforming, and VA loans, assisting in selecting the program that's ideal for your financial situation in Alabama.
2026 Loan Limits & Downpayment Needs in West-Columbia, Lexington County, 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 Possibilities in West-Columbia, SC
Lendersa® is committed to securing the best possible USDA or FHA loan swiftly and efficiently. Choose from one of three starting paths for matching with lenders and USDA loan programs.
The USDA home loan is guaranteed by the Department of Agriculture and is available only in rural areas, earning it the nickname USDA rural development loan. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans typically need no down payment at all.
43460 Ridge Park Drive, Suite 200, Temecula, CA, 92590
21st Century Financial was created out of a desire to simplify the process of getting a home loan, and while we can‘t control all aspects of the home lending process, we are determined to make it as simple as we can. It’s our belief that buying a home (or refinancing one) should not be a stressful experience, it shouldn’t be like pulling teeth.
41530 Enterprise Circle South, Suite 208, Temecula, CA, 92590
PRW Lending Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
43460 Ridge Park Dr, Suite 200, Temecula, CA, 92590
OneNation Lending, our mission is to provide homeowners and future homeowners a variety of home financing options at competitive rates; fulfilling their needs in a manner that enhances their standard of living in realizing the American Dream we work hard to be leaders in the industry.
43460 Ridge Park Drive, Suite 200L, Temecula, CA, 92590
Founded in 1997, LHM Financial has built a strong reputation as an outstanding mortgage banker/broker firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage banker/broker with an experienced staff offering expertise in every area of mortgage lending.
43460 Ridge Park Dr. Suite 155, Temecula, CA, 92590
Hi, my name is Jarett Votaw, and I am a Mortgage Loan Originator with NRL Mortgage in Southern California. My goal is to assist as many people as possible reach their dream of homeownership. Whether you are looking to purchase a new home or refinance your current home, I am dedicated to providing my clients with the highest level of service.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
we specialize in residential mortgages. At SoCal Financial Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
North County CU is a not-for-profit financial cooperative owned by its members. As a not-for-profit cooperative, we're always looking for ways to save you money any way we can. North County CU representatives are rewarded for finding you the best deal - not on making record profits.
