During the year 2026, 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.
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The Loan Limits Comparison Table for 2026 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.
| 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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