FHA VS Conventional loan programs in 2026 for Hilton-Head-Island, Beaufort County, South Carolina

In 2026, the conventional loan limit in Hilton-Head-Island, found in Beaufort county, SC, is $647,200. Meanwhile, the FHA limit for a single-family home stands at $420,680.

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Leverage the Lendersa® Conventional loan calculator to explore the leading rates of Conventional, FHA, and USDA loans available today. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you select the best program within SC for your financial requirements.

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2026 Loan Limits and Down Payment Requirements in Hilton-Head-Island, Beaufort County, SC

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table applies to the following zip codes: 29928

Available Conventional and FHA Loan Options in Hilton-Head-Island, SC

Lendersa® is dedicated to finding you the best available Conventional, USDA, or FHA loan quickly and without hassle. Select one of three starting approaches to find matching lenders and suitable loan programs.

  1. Submit a request for optimizing Conventional, USDA, and FHA loans
  2. Identify rates and terms for Conventional, USDA, and FHA loans
  3. Explore the largest database of Conventional lenders
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  • Dynamic Mortgage Concepts, Inc.
  • 2516 Platte River Dr, Bellevue, NE, 68123

  • Dynamic Mortgage Concepts, Inc is a lender who works for you! Whether you are looking to prequalify to purchase a home, refinance your existing loan, or complete a construction loan, we have products to fit your needs! We offer A-F credit loans, and have access to several national lenders to place your loan with.

  • ValueBank Texas
  • 3649 Leopard Street, Corpus Christi, TX, 78408

  • We are proud of who we are and our communities where we bank and work. ValueBank Texas is an independent, locally owned community bank that has been serving our customers since 1967. We like to say that we are in the “people business” and there is no business more important to us than your business. We call our customers friends. Our driving force


  • TexStar Federal Credit Union
  • 141 Park Place Boulevard, Kenedy, TX, 78119

  • TexStar Federal Credit Union has been open since 1967. The credit union has assets totaling $24.11 Million and provides banking services to more than 1, 000 members as of March 2022.

    The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups

  • HomeSource Mortgage
  • 5850 S Staples St, Corpus Christi, TX, 78413

  • HomeSource Mortgage opened its doors in April 2015 and has quickly become known as “The source of ALL Your Mortgage Needs.” HomeSource Mortgage’s business model is based upon excellent communication and that is something Claudia strives for every time someone walks through the door. Claudia doesn’t believe that our job is simply to “generate loans”

  • Third Coast Home Loans, LLC
  • 5337 Yorktown Blvd, Suite 303, Corpus Christi, TX, 78413

  • Third Coast Home Loans, LLC is committed to helping you find the right mortgage product for your residential purchase, refinance, or permanent-to-construction financing. Our mission is simple: To present the best possible real estate advice and mortgage solutions by maintaining our commitment to quality loan files and outstanding customer service.

  • Countryside Bank
  • 379 Main St., Unadilla, NE, 68454

  • Our community is important, and we take pride in where we live and work. Countryside Bank employees and families have deep roots in the community, as do many of our loyal customers. As new people discover the advantages of small communities and independent banks, we continue to grow and build new customer relationships.

  • Bank of Hydro
  • 146 West Main Street, Hydro, OK, 73048

  • We started as a community bank, and even though we’ve grown, we haven’t really changed. Handling the daily banking needs of our friends and neighbors is central to everything we do. When it comes time for you to take on bigger and better challenges, we’re there with all your needs for personal and commercial lending.

  • CCFBank
  • 3625 Gateway Dr, Eau Claire, WI, 54701

  • At CCFBank, Making More Possible is a way of life. Our goal, each and every day, is to show our customers that we can make more possible for them! While most banks are guided by limitations, CCFBank is guided by possibilities. Whatever our customer’s dream, we’ll find a way to make it happen.

  • Westside State Bank
  • 401 First Street, Westside, IA, 51467

  • Westside State Bank first opened the doors of our Westside, Iowa location in 1906. Since those early days, we've been dedicated to offering the conveniences and value of a big bank, while still maintaining the integrity and charm of a community bank — where decisions are made locally and interactions are handled by people you know and trust.

  • Ciera Bank
  • 623 Elm Street, Graham, TX, 76450

  • Ciera Bank is a state-chartered, full service community bank proudly serving Texas since 1890. Headquartered in Graham, just a short drive outside of the Dallas/Fort Worth Metroplex, Ciera was created from the merger of three banks owned and operated by First Graham Bancorp, Inc. Since merging, Ciera Bank has come full circle, uniting its branches.

  • County Line Mortgage
  • 737 San Mateo, New Braunfels, TX, 78132

  • 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

  • McPherson Co-op Credit Union
  • 1999 South Main Street, McPherson, KS, 67460

  • McPherson Co-Op Credit Union has been a member-owned, not-for-profit financial institution. We have come a long way since the card table in the basement! The mission of MCCU is following the credit union philosophy of “People Helping People” by providing quality financial services to our members.
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