In 2026, the FHA loan limits applicable in Garden-City county of Horry, SC are as follows: for a single-family home, the limit is $356,362. For two-unit structures, you can borrow up to $456,275, while three-unit homes have a ceiling of $551,500. If you own a four-unit property, the loan limit reaches $685,400.
When looking at conventional loan limits, the maximum borrowing capacity for a single-family residence is capped at $548,250. For duplexes, it is $702,000, increasing to $848,500 for triplexes, and for four-unit homes, the amount goes up to $1,054,500.
To discover today’s competitive FHA rates, assess our FHA calculator, which assists in determining necessary downpayments, income, credit, reserves, and essential documents to qualify for loans.
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The Lendersa® calculator is your tool for comparing FHA rates and terms against other loan programs. Investigate and juxtapose a spectrum of loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and notably hard money loans, alongside FHA offers.
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The Loan Limits Comparison Table for 2026 covers Garden-City county in Horry, SC, facilitating comparison across various loan types: FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and hard money loans. For a thorough comparison of eligibility criteria such as income, reserve requirements, and credit status, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This ensures a comprehensive understanding of your loan possibilities and how to best meet their qualifications.
| 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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