In the year 2026, the FHA loan limit for properties located in Hanahan county, which is part of Berkeley, SC, is set at $538,200 for a single-family home. If you are considering a two-unit property, the limit increases to $689,000. For housing consisting of three units, it rises to $832,850, and for a property with four units, the maximum allowable amount becomes $1,035,000. These figures offer critical guidance on the ceiling of FHA-supported financing available, depending on the size and type of property.
In terms of conventional loans, the maximum loan amount for a single-family residence is $726,200. This limit is adjusted for homes with additional units, reaching $929,850 for properties with two units, $1,123,900 for three-unit buildings, and extending to $1,396,800 for four-unit structures. Understanding these limits is vital for potential buyers seeking financing through conventional means, providing clarity on how much can be borrowed given the home size.
To find today’s most competitive FHA rates and determine necessary factors such as the down payment, income requirement, credit score, reserves, and documents for qualification, make use of our FHA calculator. This tool is designed to help you better navigate the FHA loan process by delivering tailored rate information based on your specific profile.
Explore a wide range of loan offers from a diverse selection of 100 lenders, helping you to find the best options suited to your needs.
The Lendersa® calculator provides a broad framework for comparing FHA loan rates and terms with an array of other loan programs, allowing you to thoroughly investigate and compare options such as Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans alongside FHA offerings. This comprehensive approach ensures that you can select the loan program that matches your financial goals.
By acquiring expansive loan data from thousands of lenders, Lendersa® enables rapid and precise comparisons, accurately aligning available loan products with your personal financial profile and needs.
Our Loan Limits Comparison Table for 2026 in Hanahan county of Berkeley, SC, presents a detailed comparison of the maximum loan amounts possible under various programs, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To perform a comprehensive analysis of qualification requirements such as income, reserves, and credit considerations, rely on the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assist you through the loan qualification maze.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $538,200 | $689,000 | $832,850 | $1,035,000 |
| 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 | $379,000 | $379,000 | $379,000 | $379,000 |
| 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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