FHA VS Conventional loan programs in 2026 for Laurel-Bay, Beaufort County, South Carolina
For 2026, the Conventional loan limit in Laurel-Bay, situated in Beaufort county, SC, is $647,200. For a single-family home, the FHA limit is $420,680.
Utilize Lendersa®'s tool to compare today's best rates for Conventional versus FHA and USDA loans. Determine income, credit, and document qualifications with our advanced mortgage calculator, which presents Conforming Conventional, USDA, FHA, and VA loans side-by-side to assist in choosing the best option in SC for your financial situation.
Loan Limits and Downpayment Requirements for 2026 in Laurel-Bay, Beaufort, SC
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This table covers zip codes: 29906
Options for Conventional and FHA Loans in Laurel-Bay, SC
Lendersa® aims to provide quick and hassle-free access to the best Conventional, USDA, or FHA loans. Choose one of three starting options to find the right lenders and programs.
181 Bluffton Road, Suite F-102, Bluffton, SC, 29910
Lends in South Carolina
The Kristoff Team has been lending locally in Hilton Head Island and Bluffton since 1989. We have worked with thousands of clients and received numerous top producer awards by lending $3 billion over our combined 50 years. Our philosophy is simply, “say what you mean, mean what you say, and do what you say you’re going to do.”
Finance. Jason has been in the mortgage industry since 2001 and founded Mortgage Lending Associates in 2003. He is an experienced and knowledgeable mortgage executive, he has personally funded over 100 million in residential loans. Outside of mortgage lending Jason enjoys running, playing basketball and spending time with his two children
Our story began in 2004 when CSB opened its doors in Hilton Head Island, South Carolina as southern Beaufort County’s only locally-owned bank. Our founders saw an opportunity to serve the community through a relationship-based bank, staffed by friends and neighbors to serve friends and neighbors.
HomeSpring Mortgage is a South Carolina-based direct portfolio lender. We do not broker any loans. We lend exclusively in South Carolina for residential and commercial properties. HomeSpring is a full-service, non-QM lender that partners with mortgage professionals working in the non-government mortgage sector.
Palmetto State Bank, headquartered in Hampton, South Carolina, was founded in 1907. We have grown from a bank with $2 million in assets located in Hampton, to a one half billion dollar institution with seven branches serving Beaufort, Allendale, and Hampton counties.
Our Board of Directors credit our exceptional growth to the fact
