In 2026, the FHA loan limits for the area encompassing Hilton-Head-Island in the county of Beaufort, located within SC, are established as follows: $379,500 for single-family homes, $485,800 for properties with two units, $587,250 for those with three units, and $729,800 for four-unit dwellings. These limits set the maximum borrowing capacity under FHA guidelines, tailored to specific property sizes.
When considering traditional or conventional loans, the highest possible loan amounts are set differently. For a single-family residence, it is $548,250. This amount increases for duplexes, or two-unit residences, where the limit is $702,000. For properties with three units, the maximum loan amount is $848,500, while for four-unit buildings, the cap reaches $1,054,500. These figures outline the upper borrowing limits based on the number of units within the property, which directly impacts the financing strategies available to buyers or refinancers through conventional loans.
To find the best current FHA rates available and to understand what down payment, income, credit score, reserves, and necessary documents are required for FHA loan qualification, use our FHA calculator. This tool will help you effectively prepare for the application process.
Investigate a variety of loan offers from a network of 100 lenders, providing a broad overview of available options tailored to your specific financial and property goals.
The Lendersa® calculator offers a comprehensive comparison of FHA rates and terms with a spectrum of other lending programs. This includes Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM options, and hard money loans, allowing you a broader perspective on the lending landscape.
Through a vast collection of loan program data sourced from thousands of lenders, Lendersa® rapidly analyzes and aligns this information with your unique financial profile and needs, all within seconds.
The Loan Limits Comparison Table for the year 2026 in Hilton-Head-Island county, part of Beaufort, SC, provides a detailed look at maximum amounts for various loan categories, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To gain insight into qualification requirements including income, reserves, and credit considerations, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) becomes an indispensable tool for potential borrowers, simplifying the process of finding an ideal loan match.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $379,500 | $485,800 | $587,250 | $729,800 |
| 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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