In 2026, FHA loan limits for Shell-Point county within Beaufort, SC, are established at $379,500 for a single-family home. For two-unit properties, the limit is $485,800; for three units, it climbs to $587,250, and for four units, it is set at $729,800.
The conventional loan limit for single-family residences starts at $548,250. For two-unit buildings, it is $702,000, reaching $848,500 for three-unit homes, and $1,054,500 for residences with four units.
Utilize our FHA calculator to access today's top FHA rates and find out the necessary downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with a range of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders to make swift comparisons against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Shell-Point county, Beaufort, SC, covers maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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