In the year 2025, the FHA loan limits set for the county of Florence within Florence, SC, provide specific maximums for housing units. For single-family homes, the limit is $472,030. For two-unit properties, the allowable loan amount expands to $604,400. When considering three-unit dwellings, the cap is increased to $730,525, and for four-unit blocks, the ceiling reaches $907,900. These boundaries reflect the highest funding permitted by FHA for varying housing sizes.
In contrast, conventional loans offer different maximum loan amounts. For single-family residences, the cap is $726,200. For a residence that houses two units, the limit is $929,850. Three-unit homes have a higher limit of $1,123,900, and for those with four units, the maximum loan amount available is $1,396,800. These figures are designed to accommodate the larger capital needed for bigger homes through conventional loan structures.
Using our FHA calculator, you can access today’s top FHA rates and determine essential factors like the necessary downpayment, income level, credit score, reserves, and documentation required to qualify for an FHA loan. It’s a simple yet powerful tool to give you a clear picture of your financial capability and loan eligibility.
Gain insight into a variety of loan options by clicking on our link to compare loan offers from an array of 100 different lenders. This tool ensures you can find the most favorable loans suited to your financial profile.
The Lendersa® calculator is a comprehensive tool that lets you evaluate FHA loan rates and terms alongside those offered by numerous other loan programs. You are encouraged to delve into and appraise Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans, comparing these options closely with FHA loans to select the best fit for your needs.
Leveraging an expansive network of thousands of lenders, Lendersa® efficiently compiles relevant loan program data and, within seconds, contrasts it against your specific financial profile and needs.
The Loan Limits Comparison Table for 2025 illustrates the comparison of diverse loan types within Florence county of Florence, SC. Examine maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To conduct a detailed comparison of key qualification requirements like income, reserves, and credit, you should utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™). This unique tool assists in aligning your financial situation with the diverse demands of each loan program, offering clarity in a complex marketplace.
| 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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