In the year 2026, the FHA loan limits for properties within the county of Lancaster, which is part of Lancaster, SC, are as follows: a single-family home has a limit of $472,030. For two-unit properties, the amount rises to $604,400. In the case of homes with three units, the maximum limit is $730,525, and for four-unit buildings, it reaches $907,900. Understanding these limits is crucial for prospective homeowners planning to utilize FHA financing as they navigate their purchasing decisions.
For those considering conventional loans, the permissible maximum loan amount for a single-family home is $726,200. Should a residence include two units, this limit increases to $929,850. If the property comprises three units, the cap extends to $1,123,900, while for four-unit properties, it further elevates to $1,396,800. These limits are vital for borrowers evaluating how much they can finance under conventional loan terms based on the type and size of housing.
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This year, the Loan Limits Comparison Table for 2026 in Lancaster county of Lancaster, SC, presents a comparative overview of the maximum loan amounts possible across a spectrum of lending categories. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For those seeking to evaluate specific qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to effectively guide you through your financial options and choices.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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