South Carolina USDA Loan and How to Get Started
Buying a home should feel exciting, not stressful. A South Carolina USDA loan takes the down payment off your plate so you can focus on finding the right place. We are here to help.
Guidance homeowners rely on
Thousands of families just like yours have found clarity and confidence with the guidance of a leading mortgage lender dedicated to their success.
.svg){kind=logo}
What to Know About South Carolina USDA Loans
If you are looking to buy in a rural part of South Carolina, a USDA loan could be a great fit. There are income guidelines based on your area, but many families find they fit right in. Let us take a look together.
Our Rates For You
USDA 30 Year Purchase
USDA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
What Makes South Carolina USDA Loans Different
No down payment. Rates that work for your budget. A South Carolina USDA loan is built to help you buy a home without the usual financial stress. Let us show you what this could look like for you.
Buy With Zero Down
You do not need years of savings to buy a home. A South Carolina USDA loan covers the purchase so you can move forward now.
Monthly Payments You Can Handle
Competitive rates mean more of your money goes toward your home, not interest. We help you find a payment that works.
A Fair Look at Your Finances
Your credit score is just one part of the story. We consider your income, your stability, and your goals.
Your Path to a South Carolina USDA Loan
USDA Loans compared with other mortgage loans
USDA
FHA
Conventional
VA
Real people. Real challenges. Real mortgage success.
South Carolina USDA Loan FAQ
Still unsure? Talk to someone who hears you, not a script.
A South Carolina USDA loan is backed by the U.S. Department of Agriculture, allowing lenders to offer no down payment financing. You buy a home in rural South Carolina, and the government guarantee makes better terms possible.
No. South Carolina USDA loans are for regular homes in rural and suburban areas, not farms. Single family homes, condos, and manufactured homes in eligible South Carolina locations all work.
There is no set maximum for South Carolina USDA loans. How much you can borrow depends on your income, debts, and the home price. We help you understand what fits your budget.
Closing costs for South Carolina USDA loans typically run 2% to 5% of the loan amount. These cover title, appraisal, and lender fees. Sellers can contribute toward your closing costs too.
Yes. South Carolina USDA loans can finance manufactured homes if they are on a permanent foundation and meet HUD standards. The home must be your primary residence in an eligible South Carolina area.
For a South Carolina USDA loan, you will need pay stubs, two years of tax returns, bank statements, and ID. We give you a simple checklist and only ask for what we actually need.
A South Carolina USDA loan is a great option if you are buying in rural South Carolina and want to avoid a down payment. The rates are competitive and the monthly payments are often lower than other loan types.
Still have a question?
No problem. Let’s just talk.
About Oxford
Refinance Loan
Resources & Calculators
Hire
Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
Lower, LLC DBA Oxford Home Lending | NMLS #1124061 | www.nmlsconsumeraccess.com.
Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
© 2026 Lower, LLC | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
Reviews: Zillow® is a trademark of Zillow, Inc. Bankrate® is a trademark of Bankrate, LLC. Lending Tree® is a trademark of Lending Tree, LLC. Google® is a trademark of Google LLC. Facebook® is a trademark of Facebook, Inc.