In 2026, the FHA loan limit for Rincon county, located in Effingham, GA, is set at $472,030 for a single-family home. For 2-units, it stands at $604,400, for 3-units, it's $730,525, and for 4-units, the maximum is $907,900.
Conventional loan limits for a single-family home cap at $726,200. For homes with two units, the maximum is $929,850, rising to $1,123,900 for three units, and $1,396,800 for those with four units.
Use our FHA calculator to access today’s most competitive FHA rates. Determine the required downpayment, income, credit level, reserves, and necessary documentation for qualifying.
The Lendersa® calculator facilitates comparisons of FHA rates and terms with various other loan program options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Utilizing data from thousands of lenders, Lendersa® provides rapid comparisons tailored to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Rincon county of Effingham, GA, offers an in-depth comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money solutions. To assess qualification necessities such as income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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