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 |
