Explore the differences! FHA VS Conventional loan programs in Southern-Shops, Spartanburg County, South Carolina

In 2026, the Conventional loan limit within Southern-Shops, county of Spartanburg, SC, is set at $647,200, while the FHA limit for a single-family home is $420,680. Understanding these limits is crucial for planning a home purchase.

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Leverage the Lendersa® Conventional loan calculator to assess the best rates available today for Conventional, FHA, and USDA loans. This tool helps identify the necessary income, credit score, savings, and documentation required for qualification. Our advanced mortgage calculator provides a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, assisting you in selecting the program best suited to your specific financial situation in SC.

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2026 Loan Limits and Down Payment Requirements in Southern-Shops, County of Spartanburg, SC

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

This comparison table pertains to the respective zip codes: 29303

Conventional and FHA Loan Options in Southern-Shops, SC

Lendersa® aims to quickly secure the best available Conventional, USDA, or FHA loan, removing any hassle. Choose from one of three starting points to connect with matching lenders and specially tailored loan programs designed to meet your needs.

  1. Submit an optimal request for Conventional/USDA/FHA loans
  2. Discover rates & terms for Conventional, USDA, and FHA loans prior to commitment
  3. Examine the largest database of Conventional lenders available
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  • Employees Credit Union
  • 2714 Central Avenue, Estherville, IA, 51334

  • Our mission statement is simple. We will strive to become the optimum member service center for our members. We exist solely for the benefit of our members. We do NOT operate for profit. Every decision is made with the best interests of our membership in mind. Our volunteer Board of Directors works hard to keep our members needs in mind.

  • NorthStar Bank
  • 2202 Central Ave, Estherville, IA, 51334

  • Our bank is a locally owned and managed independent bank whose focus is to work hard to serve your financial services needs. Our goal is to assist you as you pursue your goals and dreams. We strive to serve you the way we would like to be served. This has been the focus of our bank's founders.

  • American Land & Capital LLC
  • 16233 Kenyon Avenue, Suite 120, Lakeville, MN, 55044

  • AMERICAN LAND & CAPITAL providing construction mortgage loan financing for builders, remodelers and land developers in Minnesota, Wisconsin, North Dakota, South Dakota, and Florida. Call AMERICAN LAND & CAPITAL for construction mortgages in the upper midwest.

    AMERICAN LAND & CAPITAL services include New Home Construction Mortgages, etc

  • Boundary Waters Bank
  • 2230 Eagle Creek Lane, Suite A, Woodbury, MN, 55129

  • BWB is an independent bank made up of a small group of investors with a vision to create a different, more extraordinary and refreshing banking experience – much like the Boundary Waters itself. We are a team of dedicated financial experts that understands every business journey is unique.

  • The Good Buy Mortgage Company
  • 200 William Allen Lane, Decatur, TX, 76234

  • We offer a wide array of programs and products to fit your needs, Conventional, FHA, VA, Jumbo, Investor products, & 100% Financing for both purchase and refinances. With 30 years of industry experience and long-standing lender relationships, we set ourselves apart from the other mortgage companies.

  • Sage Lending, LLC
  • 222 East Renfro St, Suite 134, Burleson, TX, 76028

  • Exceptional Service is only the beginning! Our team of mortgage professionals are knowledgeable and use first-hand experience to make sure your transaction is as seamless as possible. We’ll guide you through every step of the process. Helping you meet your real estate goals is why we do what we do.

  • Texas Mortgage Finance
  • 8517 Hidden Meadow Drive, Fort Worth, TX, 76179

  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Texas People FCU
  • 4613 Wellesley Avenue, Fort Worth, TX, 76107

  • Texas and Pacific (T&P) Railway Company met to organize and found Fort Worth T&P Federal Credit Union to serve the employees of the Railway. It was the mission of our founders to “make more available to people of small means credit for provident purposes, ” and it established the institution’s firm foundation of people helping people.

  • Fort Worth City Credit Union
  • 2309 Montogomery Street, Fort Worth, TX, 76107

  • Fort Worth City Credit Union are insured by the National Credit Union Administration, which is a U.S. Government Agency. Member accounts are federally insured up to $250, 000, and are backed by the full faith and credit of the United States Government Fort Worth City Credit Union is an Equal Housing Lender.

  • Rand & Associates Incorporated
  • 3901 Alamo Ave, Fort Worth, TX, 76107

  • At Rand & Associates Incorporated, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
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