As of 2026, the FHA loan limits in the county of Spartanburg, nestled within Spartanburg, SC, are set at $472,030 for a single-family dwelling. For a duplex, which consists of two units, the limit is $604,400. If you're looking at a triplex with three units, the limit rises to $730,525, and for a four-unit property, the ceiling is $907,900.
Conventional loans, on the other hand, have different maximum thresholds. For a single-family home, it's $726,200. In the case of two units, you can borrow up to $929,850. For a residence with three units, the limit extends to $1,123,900, and if it's a four-unit structure, the amount increases to $1,396,800.
To find out today's most favorable FHA rates and to gauge what your required downpayment, credit standing, income level, reserves, and necessary documents would be, make use of our FHA calculator.
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The innovative Lendersa® calculator allows users to evaluate FHA rates and conditions along with those presented by a variety of other lending programs. Dive into the details and contrast various options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA provisions.
Lendersa® sources comprehensive loan program data from a multitude of lenders and efficiently matches it to your individual financial situation and requirements within a matter of moments.
Our comprehensive Loan Limits Comparison Table, current for 2026 in the county of Spartanburg within Spartanburg, SC, highlights the maximum loan amounts for loans like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. For detailed comparisons of qualifications such as income, reserves, and credit criteria, turn to the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for accurate assistance.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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