FHA VS Conventional loan programs in James-Island, Charleston County, South Carolina
During 2026, the Conventional loan limit in James-Island, part of Charleston county, SC, is $647,200. In contrast, for an FHA loan on a single-family home, the maximum is $473,800.
The Lendersa® Conventional loan calculator allows you to compare today's best rates for Conventional, FHA, and USDA loans. Check necessary income, credit, reserves, and documentation needed for qualification. Our advanced calculator displays Conforming Conventional, USDA, FHA, and VA options side by side, helping you choose the most suitable program for your financial situation in SC.
2026 Loan Limits and Down Payment Requirements in James-Island, Charleston County, SC
Loan Category
Max Loan Limit
Minimum Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$473,800
3.5%
This table is applicable to the following zip codes: 29412
Loan Options for Conventional and FHA in James-Island, SC
The objective of Lendersa® is to quickly get you the best possible loan, whether it's Conventional, USDA, or FHA, with ease. Start with one of these three points that will link you to the correct lenders and loan programs.
American Financial Solutions Inc We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.
Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate
Sherpa Capital Group LLC is a boutique private equity real estate firm. Sherpa specializes in originating bridge debt and equity investments secured by commercial non-owner occupied real estate. Sherpa was founded in 2010 to take advantage of the lack of credit in the real estate industry.
Maverick Commercial Mortgage, Inc. has been formed by Benjamin L. Kadish with offices located in Chicago's River West neighborhood. After more than 32 years in the Chicago mortgage banking industry and funding more than $3.5 billion dollars in financings, Mr. Kadish is hanging his own shingle
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.
Founder Dan Jasek started Lenderment with one simple idea: “to fit the mortgage to the buyer, not the buyer to the mortgage”. Most banks offer you one option, usually the same mortgage they push on everyone that makes them the most money. At Lenderment, we know no two situations are the same so we create the perfect loan for what you need.
"Our mortgage lenders not only average more than ten years in the mortgage industry, but also call Chicagoland home. We live where we lend, so we’re always a phone call or face-to-face chat away. Our knowledge of the local market, ability to offer custom loan solutions, and commitment to personal service."
Chicago Financial Services, Inc. founded in 1990 The company provides residential financial services to individuals and institutional projects it is recognized as one of the premier residential mortgage banks in Chicago and differentiates itself from other mortgage banks because of its boutique size. All aspects of the residential lending process.
