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.
147 Wappoo Creek Drive, Suite 105, Charleston, SC, 29412
Lends in South Carolina
At Homegrown Financial, we know you want financial freedom as you age. To achieve that, you need a smart and safe way to access an important retirement asset: home equity. The problem is traditional retirement sources are becoming unreliable and you’re worried about which options will allow you to best monetize your home equity in retirement.
Lending HQ works with borrowers with do not meet the traditional bank loan guidelines in order to secure funds for residential and commercial real estate transactions via private investors. We can use all property types as collateral, residential & commercial, including vacant land and mobile home parks.
25 Cumberland Street, Suite 120, Charleston, SC, 29401
Lends in South Carolina
SweetGrass Capital makes homeownership possible for more South Carolinian’s than any other state based lender. Our philosophy is to keep marketing and advertising expenses at a minimum, instead allocating those funds to optimize a streamlined loan process. This allows us to provide our clients with lower rates and a higher level of customer service
Coastal Equity Group offers both short and long-term financing for investors striving to build their wealth and generate income for a better future. As a lender, we strive to offer our borrowers smart investment solutions to help generate income and build their portfolio. Our team works quickly and ethically.
215 East Bay Street, Suite 403-F, Charleston, SC, 29401
Lends in South Carolina
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
170 Meeting Street, Suite 501, Charleston, SC, 29401
Lends in South Carolina
Asset Group, LLC is a specialty finance firm with a focus on structured credit solutions across the capital stack. Ivy executives have extensive management experience in leveraged lending, investment banking, operations, financing, and consulting. We employ a pragmatic approach to private lending emphasizing disciplined.
1072 King Street, Suite D-1, Charleston, SC, 29403
Lends in South Carolina
Our mission is to earn your business by professional marketing, concern for your best interest, and assisting you in understanding and completing the real estate process. Whether you are buying or selling you can count on HH Real Estate and Mortgage to give you a very conscientious market analysis. You can expect constant communication
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
