As of 2026, the FHA loan limits for properties in the county of Summerville, situated in Dorchester, SC, have specific caps: $538,200 for a single-family home. For two-unit residences, the limit increases to $689,000. If you're looking at properties containing three units, the maximum amount goes up to $832,850. Lastly, for four-unit homes, the cap is extended to $1,035,000. Knowing these limits is crucial for potential homebuyers and refinancers to understand their financing options.
Conversely, the maximum loan amounts for conventional financing are different. For a standalone, single-family residence, the ceiling is $726,200. This amount is slightly elevated to $929,850 for homes with two units. For three-unit properties, the limit is $1,123,900, and for larger buildings with four units, it reaches $1,396,800. These figures help determine what you can potentially borrow under conventional loan standards based on property sizes.
It's highly recommended to make use of our FHA calculator to discover the most competitive FHA rates available today. This tool also provides valuable insights into the necessary down payment, income requirements, credit score, reserves, and documentation needed to qualify for an FHA loan, effectively guiding applicants through the qualification process.
Explore various loan offers from 100 different lenders, allowing you to find the most suitable option for your specific financial needs and goals within a competitive lending landscape.
The Lendersa® calculator offers an in-depth way to compare FHA loan rates and terms against all other available loan program options. You can thoroughly explore and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA to choose the best fit for your circumstances.
Through an extensive collection of data from numerous lenders, Lendersa® can quickly tailor comparisons to suit your unique financial profile and individual needs, providing precise loan program matches efficiently.
A detailed Loan Limits Comparison Table for 2026 in Summerville county of Dorchester, SC, gives an overview of maximum loan amounts available across a wide swath of loan types, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. If you're interested in comparing qualification criteria such as income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) provides a comprehensive and user-friendly guide to understanding these variables.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $538,200 | $689,000 | $832,850 | $1,035,000 |
| 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 | $379,000 | $379,000 | $379,000 | $379,000 |
| 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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