Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in South Carolina. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
South Carolina USDA Loan Limits – Guaranteed Loans
Area | 1-4 Person Households | 5-8 Person Households |
---|---|---|
Abbeville County, SC | $306,000 | $391,000 |
Allendale County, SC | $306,000 | $391,000 |
Anderson, SC HUD Metro FMR Area | $306,000 | $391,000 |
Augusta-Richmond County, GA-SC HUD Metro FMR Area | $306,000 | $391,000 |
Bamberg County, SC | $306,000 | $391,000 |
Barnwell County, SC | $306,000 | $391,000 |
Beaufort County, SC HUD Metro FMR Area | $323,000 | $417,000 |
Charleston-North Charleston, SC MSA | $306,000 | $408,000 |
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area | $323,000 | $408,000 |
Cherokee County, SC | $306,000 | $391,000 |
Chester County, SC HUD Metro FMR Area | $306,000 | $391,000 |
Chesterfield County, SC | $306,000 | $391,000 |
Clarendon County, SC | $306,000 | $391,000 |
Colleton County, SC | $306,000 | $391,000 |
Columbia, SC HUD Metro FMR Area | $306,000 | $391,000 |
Darlington County, SC HUD Metro FMR Area | $306,000 | $391,000 |
Dillon County, SC | $306,000 | $391,000 |
Florence, SC HUD Metro FMR Area | $306,000 | $391,000 |
Georgetown County, SC | $306,000 | $391,000 |
Greenville-Mauldin-Easley, SC HUD Metro FMR Area | $306,000 | $391,000 |
Greenwood County, SC | $306,000 | $391,000 |
Hampton County, SC | $306,000 | $391,000 |
Jasper County, SC HUD Metro FMR Area | $306,000 | $391,000 |
Kershaw County, SC HUD Metro FMR Area | $306,000 | $391,000 |
Lancaster County, SC HUD Metro FMR Area | $306,000 | $391,000 |
Laurens County, SC HUD Metro FMR Area | $306,000 | $391,000 |
Lee County, SC | $306,000 | $391,000 |
Marion County, SC | $306,000 | $391,000 |
Marlboro County, SC | $306,000 | $391,000 |
McCormick County, SC | $306,000 | $391,000 |
Myrtle Beach-North Myrtle Beach-Conway, SC HUD Metro FMR Are | $306,000 | $391,000 |
Newberry County, SC | $306,000 | $391,000 |
Oconee County, SC | $306,000 | $391,000 |
Orangeburg County, SC | $306,000 | $391,000 |
Spartanburg, SC HUD Metro FMR Area | $306,000 | $391,000 |
Sumter, SC MSA | $306,000 | $391,000 |
Union County, SC HUD Metro FMR Area | $306,000 | $391,000 |
Williamsburg County, SC | $306,000 | $391,000 |