USDA Vs. FHA your options comparison in Winnsboro, Fairfield County, SC
For Winnsboro in Fairfield, SC, the USDA loan limit in 2026 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 .
2026 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.
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.
PHCU is a full service credit union committed to being your trusted partner for financial services, including loans & a wide variety of savings options. Federally Insured by NCUA. Equal Housing Lender and also Palmetto Health Credit Union (PHCU) is a not-for-profit financial cooperative owned by its members and governed.
Mr. Mortgage a SC based Mortgage Brokerage firm is a small business that has become a major influence in the mortgage industry. This has been accomplished through the determination & loyalty that we have toward the financial success of all our customers. Brokerage firm is a small business that has become a major influence in the mortgage industry.
The Mortgage Options Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of South Carolina. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team.
111 Executive Center Drive, Suite 225, Columbia, SC, 29210
Lends in South Carolina
Business Development Corporation (BDC) has been financing small businesses in South Carolina, leading to the creation of thousands of new jobs for the citizens of the Palmetto State. Since 1958, BDC and its associate company, Certified Development Corporation (CDC), have approved more than 2, 890 loans totaling in excess of $1.73 billion.
NAM is a leader in the non-QM origination & servicing industry. Whether you are a lender in need of licensed originators to assist with compliant underwriting or a licensed servicing partner for your loans, National Asset Mortgage is able to assist you. NAM is one of the most experienced low-balance, high-touch, complex servicing/subservicing firms
2711 Middleburg Dr, Suite 103, Columbia, SC, 29204
Lends in South Carolina
Columbia Mortgage Corporation can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We can even help you pay down your balance more quickly for a comparable monthly payment.
Palmetto Citizens exists solely to serve the financial needs of our members, not profit from them. We offer products, services and educational programs to help our members achieve their financial potential. We believe in providing a high level of personalized service while maintaining low loan rates, high savings rates and fewer fees.
Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience over 20 years in the industry. Providing the best Options for purchasing or refinancing your home loans We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing.
3125 Hebron Drive, Suite 101, West Columbia, SC, 29169
Lends in South Carolina
SMS we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you.
Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan
