For the year 2025, the FHA loan limits set for properties within Beaufort county of Beaufort, SC, have been defined as follows: for a single-family residence, the cap is $485,300. This amount increases to $621,250 for homes comprising two units, $750,950 for those with three units, and $933,300 for four-unit properties. These limits provide clear guidance on maximum finance available for FHA loans based on the property's size.
In comparison, the maximum amounts for conventional loans vary similarly according to the structure's size. For a single-family dwelling, the limit is set at $726,200. As the number of units increases to two, the amount rises to $929,850. During the purchase of a three-unit property, the limit extends to $1,123,900. Finally, for homes with four units, the permissible maximum reaches $1,396,800. These conventional loan limits help determine the financing available for larger or multi-unit homes.
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The Lendersa® calculator serves as a comprehensive tool, allowing you to evaluate FHA rates and conditions against those of numerous other loan offerings. Explore various financing avenues, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA, to identify the best fit for your financial needs and goals.
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The Loan Limits Comparison Table for 2025 in the county of Beaufort, part of Beaufort, SC, offers a side-by-side look at the maximum allowable loan amounts. This includes FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans, giving you a complete picture. To thoroughly assess qualification criteria like income, reserves, and credit that may affect your loan approval, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™), which guides you through eligibility requirements systematically and efficiently.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $485,300 | $621,250 | $750,950 | $933,300 |
| 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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