In 2025, the FHA loan limits set within St.-Andrews county, which belongs to Richland, SC, are as follows: $356,362 is the limit for a single-family home. For properties that include two units, the cap is extended to $456,275. When you have a property consisting of three units, the amount increases further to $551,500, and for a building with four units, the maximum reaches $685,400. These defined limits offer a clear guide on the maximum amount achievable through FHA financing based on different property types, assisting potential homebuyers and refinancers in making informed decisions.
On the other hand, conventional loans follow a different set of guidelines, with maximum loan amounts varying according to the number of units. For a single-family residence, the cap is $548,250. If you're looking into properties with two units, the allowed limit rises to $702,000. For homes that incorporate three units, the limit is set at $848,500, and when four units are involved, it moves up to $1,054,500. These conventional loan limits define the potential for borrowing, tailored to the size and structure of the property in question.
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The Lendersa® calculator offers an efficient mechanism to compare FHA rates and terms against a host of other loan programs, enabling you to explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This wide range of options provides a detailed understanding, allowing for a holistic view and informed decisions regarding the best possible financial strategy that caters to your specific requirements and possibilities.
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The Loan Limits Comparison Table prepared for 2025 in St.-Andrews county of Richland, SC, furnishes a comprehensive comparison of maximum available loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper understanding of qualification criteria, encompassing income, reserves, and credit requirements, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a thoughtful and thorough analysis tailored to guide you through the complexities of loan qualification.
| 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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