During 2026, the FHA loan limits in Charleston, part of Charleston, SC, are specified as $538,200 for a single-family home, $689,000 for homes with two units, $832,850 for three-unit homes, and $1,035,000 for properties with four units.
The maximum loan amount available through conventional loans for a single-family dwelling is $726,200. For properties with two units, it is set at $929,850, for three units $1,123,900, and for four-unit homes, it reaches $1,396,800.
Leverage our FHA calculator to view current FHA rates and figure out necessary details for qualification, such as down payment, income verification, credit status, reserves, and needed documentation.
The Lendersa® calculator enables comparing FHA rates and terms with those of other lending options. Consider the availability and conditions of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA options.
Lendersa® sources comprehensive data from numerous lenders, quickly tailoring comparisons to your specific financial requirements and profile.
The Loan Limits Comparison Table for 2026 in Charleston, Charleston, SC provides insights into the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. To assess qualification details, including income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $538,200 | $689,000 | $832,850 | $1,035,000 |
| 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 | $379,000 | $379,000 | $379,000 | $379,000 |
| 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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