USDA loans
0% down for eligible rural & suburban areas.
USDA Rural Development loans offer 100% financing on homes in qualifying areas — and large parts of the Lowcountry, Pee Dee, and Upstate qualify. We'll check your address in seconds.
0% down payment
Below-market interest rates
Many SC areas qualify
Best for
Rural and suburban SC buyers under income limits
FAQs
Straight answers to the common questions.
How fast can we close?+
Most of our files close in 14–21 days. We've closed as fast as 9 days with prepared documentation.
Do you pull credit at application?+
We start with a soft pull — no impact to your score. A hard pull only happens once you've reviewed disclosures and opted in.
How do I know if my SC address qualifies?+
USDA publishes an eligibility map; large parts of the Lowcountry, Pee Dee, Midlands, and Upstate qualify. Send us an address and we'll check it in seconds.
Are there income limits?+
Yes — USDA caps income based on household size and county. In most SC counties, a family of four can earn up to roughly $110K and still qualify.
What's the catch with 0% down?+
There isn't one — but USDA does charge a 1% upfront guarantee fee (rolled into the loan) and a small annual fee. Even with both, USDA usually beats FHA on cost when you qualify.
Quick Calculator
Your estimated payment
$
%
6.375%
Est. monthly payment
$3,430/mo
P&I
$2,695
Taxes
$440
Ins + PMI
$295
Full Calculator
Estimate only. Not a commitment to lend. Actual rate and payment depend on credit, property, and final underwriting.