As of 2025, the FHA loan limits set within Aiken county, part of Aiken, SC, are established as follows: $472,030 for a single-family house. For two-unit properties, this limit rises to $604,400. If you're considering homes with three units, the maximum financing permitted reaches $730,525. When it comes to four-unit homes, the cap is extended to $907,900. Understanding these limits is crucial for assessing eligible loans when planning a purchase or a refinance.
On the conventional side, the maximum allowable loan for a single-family residence is $726,200. If the property consists of two units, the available limit for loans is increased to $929,850. For a three-unit home, it extends further to $1,123,900, and for those with four units, it caps at $1,396,800. These limits provide the framework for what can be achieved under conventional mortgage financing, based on property type.
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The innovative Lendersa® calculator facilitates a full comparison of FHA rates and terms against all other available loan programs. Dive into a broad spectrum of options, examining Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM, and hard money loans, ensuring you fully understand their advantages relative to FHA.
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Our Loan Limits Comparison Table for 2025 within Aiken county of Aiken, SC, provides a detailed comparison of maximum allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification requirements such as income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an all-encompassing assessment.
| 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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