USDA Loans in NC & SC — Zero Down Rural Home Loans
USDA Rural Development loans offer 100% financing for eligible homes in qualifying areas of North Carolina and South Carolina — no down payment required.
What Is a USDA Loan?
The USDA Section 502 Guaranteed Loan program helps low- to moderate-income buyers purchase homes in designated rural and suburban areas. Much of the Lowcountry, Upstate SC, and rural NC qualifies.
USDA Loan Benefits0% down — 100% financing
No maximum loan amount (income-based qualifying)
Lower mortgage insurance than FHA
30-year fixed only
Gift funds and seller concessions allowed
Can finance closing costs if home appraises higher
USDA Eligibility RequirementsProperty must be in USDA-eligible area (check the USDA map)
Household income within county limits (typically 115% of area median)
640+ credit score (some lenders go lower)
Primary residence only
US citizen, permanent resident, or qualified alien
Popular USDA-Eligible Areas in NC & SC
Summerville (parts), Moncks Corner, Goose Creek (parts), Ridgeville, Ladson, St. George, Walterboro, Bonneau, Bowman, Harleyville, Holly Hill, and most rural counties in both states. Much of Berkeley, Dorchester (outside city limits), Colleton, and Orangeburg counties qualify.
Check Your Eligibility
Call (843) 376-6213 or apply online. We’ll check the property address and your income against USDA guidelines in minutes.