In 2026, for Laurel-Bay county in Beaufort, SC, the FHA loan limits are: $379,500 for a single-family home, $485,800 for two units, $587,250 for three units, and $729,800 for four units.
The maximum amounts for conventional loans on a single-family home are $548,250, rising to $702,000 for two-unit properties, $848,500 for three units, and for four-unit structures, hitting $1,054,500.
Utilize our FHA calculator to access today’s top FHA rates, determining the needed downpayment, income, credit, reserves, and documents necessary to qualify.
The Lendersa® calculator helps you compare FHA loan rates and terms with other loan programs. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® gathers data from thousands of lenders, providing rapid matching against your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Laurel-Bay county, Beaufort, SC, shows FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to review criteria like income, reserves, and credit.
| 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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