For the year 2026, the FHA loan limits for properties in the county of Fort-Mill, which is within York, SC, are as detailed: the maximum loan amount for a single-family home stands at $356,362. For homes that have two units, the limit extends to $456,275. When considering three-unit properties, the cap rises to $551,500, and for those with four units, it reaches $685,400. These limits are crucial for prospective buyers or those looking to refinance, providing clear guidance on the maximum possible financing they can obtain under FHA guidelines clearly defined for different property types.
As for conventional loans, the maximum amount that can be secured increases as the number of housing units increases. For a single-family residence, the loan limit is $548,250. For two-unit homes, the limit is $702,000. This figure extends to $848,500 for three-unit properties and reaches a final limit of $1,054,500 for homes comprising four units. These maximum limits delineate the extent of borrowing available through conventional loan channels, aiding in financial planning and decision-making based on the size and nature of the residence.
Utilize our FHA calculator to access today’s best FHA rates and calculate necessary elements such as downpayment, income prerequisites, credit requirements, reserves, and documentation required to qualify. This tool provides not only accurate rate assessments but also essential insights into what is needed to meet the eligibility criteria for an FHA loan.
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The Lendersa® calculator is designed to offer an in-depth comparison between FHA loan rates and terms and those of other distinct loan programs. Delve into a wide variety of choices, including Conventional loans, Jumbo loans, VA loans, USDA options, Non-QM, and hard money loans, offering a robust examination of potential pathways to achieve your financial goals.
By efficiently obtaining and processing loan program data from thousands of lenders, Lendersa® delivers precise matches suited to your financial profile and requirements, ensuring a seamless experience when identifying and securing the most compatible loan offers.
The Loan Limits Comparison Table for 2026 in Fort-Mill county of York, SC, presents a detailed comparison of maximum loan amounts for various programs, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further explore qualification criteria like income levels, reserves, and credit requirements, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™), offering a comprehensive outlook tailored to guide you in making informed lending decisions.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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