2025 FHA (Government Loans) Limits for North-Charleston, Charleston County, South Carolina

During the year 2025, the FHA loan limits in the county of North-Charleston, located within Charleston, SC, are as follows: for single-family homes, the cap is $414,000. For dwellings with two units, that figure rises to $530,000, for three-unit properties, it becomes $640,650, and if the property has four units, the limit extends to $796,150. These numbers reflect the maximum borrowing potential according to FHA guidelines.

For conventional loans, the highest available loan amount for a single-family dwelling is $548,250. This amount increases for properties with more units: $702,000 for two-unit homes, $848,500 for three-unit residences, reaching up to $1,054,500 for houses with four units. These limits define the borrowing scope under conventional loan structures based on property size.

To find out the best FHA rates available today, use our FHA calculator. It helps you calculate the necessary down payment, assess the income, credit rating, reserves, and document requirements needed to qualify for a loan.

Explore and compare a wide range of loan offers from a group of 100 lenders.

Evaluate Your Loan Options in North-Charleston, SC

The Lendersa® calculator is a powerful tool for comparing the rates and terms of FHA loans against those of multiple other loan programs. You can meticulously explore and compare the features of Conventional loans, Jumbo loans, VA loans, USDA, Non-QM loans, and hard money options with FHA loans, thereby offering a comprehensive view of the market.

Lendersa® efficiently gathers and analyzes data from a vast array of lenders within moments, providing valuable insights tailored to your distinct financial needs and profile.

The Loan Limits Comparison Table for 2025 based in North-Charleston county of Charleston, SC, provides a detailed examination of maximum loan amounts across a spectrum of loan types. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a more detailed comparison of criteria such as income, credit, and reserves required for qualification, consider utilizing the Lendersa® Super Loan Integrated Qualifier (SLIQ™), which simplifies the process and aids in understanding the specific requirements of various loan programs.

Loan limits North-Charleston county of Charleston, SC

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


  • Associated Mortgage Services, Inc
  • 481 South Pine St., Spartanburg, SC, 29302
  • The Associated Mortgage Services Inc team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing.
  • Classic Home Mortgage
  • 330 Harrison Bridge Road, Suite C, Simpsonville, SC, 29680
  • Classic Home Mortgage is located in Simpsonville, South Carolina in the Upstate, Bluffton & Summerville, South Carolina in the Lowcountry and the Sunshine State of Florida. Whether you need an FHA, VA, USDA or Conventional loan, it's our mission to provide you with excellent service, competitive rates.
  • SC Home Loans
  • 124 Creek Shoals Dr, Simpsonville, SC, 29681
  • SC Home Loans is a local, family owned company with a mission to serve our community. We believe the rates and fees offered by banks and other financial institutions can be excessive. Our desire is to help you navigate the complexity of today's mortgages, because we understand the needs of South Carolina families.
  • Legacy Lending Mortgage Group LLC
  • 2315 N. Main St, Suite 211D, Anderson, SC, 29621
  • Legacy Lending Mortgage Group offers high-quality mortgage brokerage services to residential customers. Our aim is to provide our customers with fair mortgage rates at reasonable prices, while keeping our clients informed & educated throughout the process. We will be transparent and be sure to keep all parties involved in the transaction informed.
  • RateSaver Mortgage Inc
  • 2318 N. Main St, Unit D, Anderson, SC, 29621
  • One of the biggest rewards in my business life is helping people achieve their dreams of home ownership. From first time homeowners, to experienced multi-home real estate investors, I can make the process smooth and easy for any buyer. Take advantage of my 23+ years of mortgage experience and over 1500 mortgages closed.
  • Dominion Mortgage and Financial Services, Inc.
  • 4220 Clemson Blvd., Anderson, SC, 29621
  • "No matter if this is your first home purchase or you are refinancing your current property, Dominion Mortgage and Financial Services, Inc. is here to assist you with all of your mortgage needs! With more than 30 years of combined experience, we excel by offering a variety of quality loans in the mortgage and financial service industry.
  • Southern First Bank
  • 100 Verdae Blvd, Suite 100, Greenville, SC, 29607
  • Our philosophy is that relationships come first. We get to know you and your goals so we can help you achieve them. Each account comes with a team of Bankers dedicated to providing you personalized service, and our easy-to-use technology gives you all the tools you need to manage your finances - whenever, wherever.
  • Best Life Mortgage Advisor
  • 33 Market Point Drive, Greenville, SC, 29607
  • At Best Life Mortgage we believe that eveyone can make a positive impact in the world. We are blessed and committed to donate 10% of our profits to liberate kids from human trafficking and invite you join us in the fight. We customize loans that are right for our clients helping them build a strong financial future.
  • Next Mortgage LLC
  • 1200 WOODRUFF ROAD, Suite A3, Greenville, SC, 29607
  • NextMortgage is what lending should look like. We aren’t just focused on getting the transaction done, but what everyone gains along the way. Products and services matter, but what matters most is our people. The people on our team, the people we do business with, and the people on all sides of the mortgage transaction
  • Boykin Home Mortgage
  • 128 Millport Circle, Suite 200, Greenville, SC, 29607
  • At Boykin Home Mortgage, we are committed to providing our clients with the highest level of outstanding home loan services and building long-lasting customer relationships. Our goal is to provide the best mortgage lending solutions every time. Whether you're looking to purchase a new home or refinance your existing mortgage, we've got answers.