Explore the differences! 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, 29424, 29455, 29407, 29401, 29403, 29409, 29492, 29412, 29402, 29413, 29417, 29422, 29425, 29457
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.
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