As of 2026, 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.
Leverage our FHA calculator to review today’s leading FHA interest rates. The tool will also help you determine the necessary down payment, analyze your income, assess credit standings, reservoir availability, and gather the documents required for a loan qualification.
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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 2026 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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