USDA and FHA Pro and Con in Winnsboro, Fairfield County, SC

For Winnsboro in Fairfield, SC, the USDA loan limit in 2025 is $336,500. In comparison, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess USDA versus FHA rates today, determining the necessary income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Winnsboro, Fairfield, SC

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Winnsboro, SC

Lendersa® aims to secure the best possible USDA or FHA loan for you efficiently. Choose from three starting points to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and match results

Understanding USDA Loans in SC

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment.

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



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