In the year 2026, the FHA loan ceiling in Ladson, located in Berkeley county of SC, stands at $538,200 for a single-family residence. For homes comprising two units, the permissible limit is $689,000, climbing to $832,850 for those with three units, and reaching $1,035,000 for properties with four units.
Regarding conventional loans, the utmost loan cap available on a single-family home is $726,200. Properties made up of two units can access loan amounts up to $929,850. As for houses with three units, the cap is $1,123,900, and properties encompassing four units can achieve a top limit of $1,396,800.
Our FHA calculator is at your disposal to help discover the most competitive FHA rates presently available, and determine all necessary criteria for qualification, such as required downpayment, income, credit status, reserves, and documentation.
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The Lendersa® calculator serves as an essential tool, allowing you to pit FHA terms and rates against those offered by diverse loan programs. You have the option to assess and contrast a wide variety of options such as Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM products, and hard money loans, placing them against the FHA benchmarks.
Lendersa® provides a unique service by collecting extensive loan program data from an expansive array of lenders. In a matter of seconds, it aligns and analyzes this information with your personalized financial profile and needs, offering quick insights into which loan works best for you.
The Loan Limits Comparison Table for 2026 in Ladson within Berkeley county of SC allows you to review the maximum amounts across a vast selection of loans. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To analyze specific qualification demands like income, credit, and reserves, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™), a comprehensive tool crafted for enhancing your understanding of financial readiness.
| 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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