In 2025, the limit for an FHA loan in Bluffton county of Beaufort, SC is set at $485,300 for a single-family home. If your property includes two units, the limit increases to $621,250. Should the property comprise three units, the cap rises to $750,950, and for four units, it elevates to $933,300. These defined limits guide buyers on the maximum financing available under FHA guidelines, which is crucial for financial planning if you're buying or refinancing.
When examining conventional loans, the maximum loan one can secure for a single-family residence is $726,200. For homes with two units, it increases to $929,850, extends to $1,123,900 for three-unit properties, and reaches $1,396,800 for four-unit dwellings. Getting familiar with these limits is key when assessing how much can be financed under conventional lending options based on the size and type of the property.
Utilize our FHA calculator to uncover the best FHA rates available today. This tool helps to determine the necessary down payment, verifies income requirements, checks required credit, measures reserves, and clarifies the documentation needed for loan eligibility. It's designed to make the process easier by offering clear guidelines.
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The Lendersa® calculator offers a comprehensive tool to compare the rates and terms of FHA loans with an impressive breadth of other loan programs. This includes exploring Conventional loans, Jumbo loans, VA loans, USDA, Non-QM, and hard money loans. Such a thorough evaluation allows you to identify the best-suited options for your unique financial profile and housing objectives.
By gathering extensive data from thousands of lenders, Lendersa® efficiently provides targeted loan comparisons, rapidly aligning offers with your distinct financial specifications and needs.
This year's Loan Limits Comparison Table for 2025 in Bluffton county of Beaufort, SC, details a broad comparison of maximum loan amounts across diverse programs, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly assess qualification requirements — like income, reserves, and credit needs — make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™), which serves as a detailed guide through the qualification requirements of these varied loan options.
| 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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