FHA VS Conventional loan programs in Charleston, Charleston County, South Carolina
In 2026, the conventional loan limit for Charleston, in Charleston county, SC, is set at $726,200, whereas the FHA limit for a single-family home is $538,200.
With the Lendersa® Conventional loan calculator, discover today's best rates for Conventional, FHA, and USDA loans. Find out what income, credit, reserves, and documents are needed to qualify. Our advanced mortgage calculator lets you compare Conforming Conventional, USDA, FHA, and VA loans side by side, guiding you to select the best option in SC for your financial scenario.
Loan Limits and Down Payment Requirements for 2026 in Charleston, Charleston County, SC
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$379,000
0%
FHA
$538,200
3.5%
This comparison table applies to zip codes: 29414
Conventional and FHA Loan Choices in Charleston, SC
Lendersa® is dedicated to helping you secure the best possible Conventional, USDA, or FHA loan efficiently and hassle-free. Select one of three steps to connect with matching lenders and loan programs that fit your needs.
2557 Ashley Phosphate, North Charleston, SC, 29418
Lends in South Carolina
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our mission is to serve our customers with honesty, integrity and competence.
89 Old Trolley Rd, Suite 102, Summerville, SC, 29485
Lends in South Carolina
Assurance Financial Services, Inc. is a mortgage brokerage located in South Carolina. We are on our client’s side throughout the transaction and communication is key. We are available 7 days a week to answer questions, provide guidance, and update buyers with each step of the process as it unfolds.
10040 Dorchester Rd, Suite 101, Summerville, SC, 29485
Lends in South Carolina
Our mission at Jeff Cook Real Estate is to empower our team to deliver the best service and to empower our clients to reach their real estate goals. Whether you are a buyer, seller, or investor, our team of professionals can answer any questions you might have. If you want someone who will work tirelessly to ensure your satisfaction
1101 Old Trolley Rd, Suite 100, Summerville, SC, 29485
Lends in South Carolina
New South Mortgage offers a wide selection of loan packages to meet the needs of each customer’s unique situation. Because we work with many lenders, we take the hassle out of shopping for a loan by doing the shopping for our clients. Our long time relationships with lenders also enable us to offer discounts and rates not available elsewhere.
4401 Belle Oaks Drive, Suite 210, North Charleston, SC, 29405
Lends in South Carolina
Peoples Bank Mortgage is a wholly-owned subsidiary of Peoples Bank in Mendenhall, Mississippi that has been in business since 1908. Peoples Bank Mortgage offers an array of mortgage loan products which suit each individual borrower’s requirements. Whether you are a first-time home buyer, refinancing your existing mortgage
CPM Federal Credit Union was formed in 1955 by employees of the Charleston Paper Mill. We started in an old construction shed and our mission back then was to make affordable loans and deliver exceptional service to the employees of the Mill and improve their financial wellbeing. Since that time CPM has grown to $520 million in assets.
4024 Salt Pointe Parkway, Suite A, North Charleston, SC, 29405
Lends in South Carolina
Carolina One Mortgage offers the promise of longevity and security along with a commitment to service excellence. We are recognized as the industry leader in mortgage partnerships because we are experts in our business and deliver outstanding service to our customers. Carolina One Mortgage offers hundreds of loan choices to our customers.
852 Orleans Road, Suite 203, Charleston, SC, 29407
Lends in South Carolina
We have been serving homeowners and homebuyers in the Lowcountry since 2002. Our loan officers have a wide range of experience in working with homebuyer's and homeowners to find the loan that best meets your needs. Jeff has been working as a mortgage loan officer since 2005. Jeff has worked with FHA, VA, Fannie Mae, USDA and Freddie Mac loans.
1180 Sam Rittenberg Blvd, Suite 160, Charleston, SC, 29407
Lends in South Carolina
Princeton Mortgage is a team of motivated people who are driven to achieve excellence in their work and reach their full potential, while enjoying the journey. We want to do great work for our customers. We’re also a little weird. Princeton Mortgage was founded in 1983 as a licensed mortgage banker and is backed by a 100+ year old
