For 2026, the FHA loan limits set for Isle-of-Palms county in Charleston, SC, are as follows: $414,000 for a single-family home, $530,000 for properties with two units, $640,650 for three-unit residences, and reaching $796,150 for those accommodating four units.
Conventional loan caps are positioned at $548,250 for a single-family home. For two-unit structures, the maximum is $702,000, increasing to $848,500 for three units, and peaking at $1,054,500 for four-unit buildings.
Utilize our FHA calculator to identify the top FHA rates offered today, and to compute the necessary downpayment, income verification, credit score requirements, reserves, and the required documents for qualification.
The Lendersa® calculator allows you to evaluate FHA rates and terms juxtaposed with those of alternative loan programs, including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans.
Lendersa® efficiently gathers loan program data from a vast number of lenders, providing rapid comparisons tailored to your specific financial profile and unique needs.
The Loan Limits Comparison Table for 2026 in Isle-of-Palms county, Charleston, SC, enables a detailed comparison across maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To assess qualification criteria like income, reserves, and credit, make use of Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| 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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