For 2026, the FHA loan limits in Southern-Shops county of Spartanburg, SC stand at $356,362 for single-family homes, $456,275 for two-unit buildings, $551,500 for three-unit properties, and $685,400 for four-unit residences.
The maximum loan amounts for conventional loans on single-family dwellings are $548,250, increasing to $702,000 for two-unit homes, $848,500 for three units, and $1,054,500 for four-unit buildings.
Utilize our FHA calculator to find today’s most favorable FHA rates and to determine the necessary downpayment, as well as income, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Delve into and contrast Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® collects comprehensive loan program data from many lenders, delivering quick comparisons tailored to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Southern-Shops county, Spartanburg, 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 like income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| 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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