In the year 2026, the FHA loan limit set in Duncan county, within Spartanburg, SC, is $472,030 for a single-family home. For two-unit dwellings, the limit extends to $604,400, for three-unit properties it is $730,525, and for four-unit buildings, it reaches $907,900.
The maximum allowable loan amount for conventional loans in single-family residences is $726,200. For two-unit homes, limits are set at $929,850, for three-unit residences at $1,123,900, and for four-unit structures the cap is $1,396,800.
Utilize our FHA calculator to find today's advantageous FHA rates and to determine the requisite downpayment, as well as income, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms with those of all other loan programs. Investigate and evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles loan program data from thousands of lenders and rapidly analyzes it against your specific financial profile and needs.
The Loan Limits Comparison Table for the year 2026 within Duncan county, Spartanburg, SC, presents a comparative view of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan options. To compare qualification requirements including income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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