Explore the differences! FHA VS Conventional loan programs in Gaffney, Cherokee County, South Carolina
In the year 2026, the Conventional loan limit for Gaffney, located in Cherokee county, SC, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® Conventional loan calculator to evaluate today's top rates for FHA, USDA, and Conventional loans. Determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage tool lets you compare Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in selecting which program in SC aligns with your financial needs.
2026 Loan Limits and Down Payment Requirements in Gaffney, Cherokee County, SC
Type of Loan
Maximum Loan Limit
Minimum Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison applies to zip codes: 29341
Options for Conventional and FHA Loans in Gaffney, SC
Lendersa® aims to rapidly get you the best possible loan, whether it's Conventional, USDA, or FHA, with minimal hassle. Choose one of three starting paths leading to matched lenders and loan programs.
Exchange Bank of Northeast Missouri, we want to help make the communities we serve better by providing strong financial services. We call these communities home, so we know and understand the challenges you face every day. That’s why we strive to provide the products and services to help you overcome those challenges.
For over 80 years, Achieve Financial Credit Union has been dedicated to providing credit union members with added financial value to their lives by providing them with fast, easy and convenient services. Achieve Financial Credit Union has been improving the financial lives of our members since 1934.
We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
In 1935, when credit unions were helping Americans through the Great Depression, it was said that credit unions were "not for profit, not for charity, but for service," and that philosophy still holds true at UBI today. Today, UBI continues to look out for our members’ interests and provide a level of service.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Chartered in 2000, Citizens First Bank plays an important role in community banking. Its products provide customers with effective, locally owned banking choices, e-solutions, and services expertise. Citizens First’s main office is located at 1442 Lincoln Way in Clinton, with branches also at 403 South Washington Boulevard in Camanche
Clinton National Bank has been helping people, businesses and our community since 1865. We are proud to offer the latest in banking products, along with providing great customer service.This is our Vision Statement :To be the bank of choice, dedicated to improving the financial well-being and quality of life for the people and communities we serve.
Farris Mortgage loans are done differently than other lenders. We do not make money on closing costs or third party fees in fact we actually pay money toward your closing costs. Since 2015 Farris Mortgage has paid more than $225, 000 in closing cost for our clients. This is actual money our clients get to keep we call this The Broker Advantage.
