For the year 2026, in James-Island county located within Charleston, SC, the FHA loan limits are established as $414,000 for a single-family home. For two-unit properties, the limit is $530,000, moving up to $640,650 for three units. The cap rises to $796,150 for properties comprising four units.
The maximum loan amount available for conventional loans on a single-family home is $548,250. For those with two units, the top limit is $702,000, expanding to $848,500 for three-unit residences, and reaching $1,054,500 for four-units.
Our FHA calculator is designed to help you discover today's most favorable FHA loan rates. It also aids in determining essential elements such as appropriate downpayment, income requirements, credit score, reserves, and the documents needed to qualify for the loan.
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The Lendersa® calculator is an excellent resource to compare the rates and terms of FHA loans against all other existing loan programs. You can explore and analyze options such as Conventional loans, Jumbo loans, VA loans, USDA, Non-QM products, and hard money loans, as they all relate to FHA terms.
Lendersa® aggregates an extensive collection of loan program data from an array of lenders across the country. It performs quick comparisons with your own financial information to deliver insights tailored specifically to your needs within moments.
For 2026 in James-Island county of Charleston, SC, the Loan Limits Comparison Table outlines and compares maximum amounts for various loans. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To determine specific qualification requirements such as income, reserves, and credit, consider using the Lendersa® 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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