In the year 2026, the FHA loan limit within the county of Goose-Creek, which is part of Berkeley, SC, is specified as follows: for a single-family home, the limit is $414,000. For properties comprised of two units, the maximum increases to $530,000. For three-unit dwellings, the limit is raised to $640,650. Finally, for four-unit properties, the ceiling extends to $796,150. These limits define the maximum borrowing potential under FHA guidelines for different types of properties.
For conventional loans, the highest amount that can be borrowed on a single-family residence is set at $548,250. For two-unit homes, the limit is $702,000. For properties with three units, this limit extends to $848,500. And for residences that feature four units, the maximum funding reaches $1,054,500. These figures establish the upper funding boundaries available under conventional loan terms.
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The Loan Limits Comparison Table for 2026 in the Goose-Creek county of Berkeley, SC, displays a detailed comparison of maximum loan amounts across different loan types, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualification criteria such as income, reserves, and credit needs, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) for thorough guidance.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $414,000 | $530,000 | $640,650 | $796,150 |
| 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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