For the year 2026, the FHA loan limits designated for Mount-Pleasant within the county of Charleston, located in SC, are as follows: for a single-family home, you have a maximum limit of $414,000. For residences comprising of two units, the cap increases to $530,000. When it comes to more substantial properties with three units, the maximum eligibility reaches $640,650. Finally, for four-unit dwellings, the limit is set at $796,150. These figures represent the upper boundary of what you can borrow under FHA's guidelines, specifically tailored for each property type.
When considering conventional loan limits, the maximum loan available for a one-unit, single-family residence is $548,250. Should you be interested in properties with two separate units, the financing ceiling is raised to $702,000. For structures containing three units, it is further extended to $848,500, and for those accommodating four units, the maximum you can borrow is $1,054,500. These thresholds provide a framework for the maximum financing you can access under conventional loan structures, varying by the number of units you intend to purchase or refinance.
Make use of our FHA calculator to access the most current and advantageous FHA rates available today. This tool is designed to help you determine all essential aspects such as the down payment needed, income requirements, credit ratings, reserves, and the necessary documents you will need to qualify for an FHA loan. This ensures you are well-prepared and informed about your financial standing and loan eligibility.
Browse and contrast loan offers from a robust selection of 100 lenders to discover the best possible options tailored to your financial goals and needs.
The Lendersa® calculator serves as a pivotal tool, enabling thorough comparisons between FHA loan rates and terms and those of various other lending programs. You can systematically explore an extensive range of choices, including Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, as well as hard money loans, alongside FHA options. This comprehensive exploration supports making informed borrowing decisions.
Lendersa® employs a sophisticated process that gathers loan program data from an extensive network of lenders, swiftly aligning these with your unique financial profile and personal requirements in mere moments, offering a streamlined comparison experience.
The Loan Limits Comparison Table for the year 2026 presents a detailed look at the varying limits across different loan types within Mount-Pleasant county of Charleston, SC. It compares the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth analysis of qualification criteria — such as income levels, reserve requirements, and credit considerations — utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), ensuring the best fit for your financial situation and borrowing needs.
| 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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