During the year 2026, the FHA loan limits within Winnsboro county in Fairfield, SC, are set at $472,030 for a single-family dwelling, $604,400 for a 2-unit structure, $730,525 for 3-unit buildings, and reach up to $907,900 for 4-unit properties.
For conventional loans, the caps are $726,200 for a single-family house, while 2-units allow for $929,850, 3-units extend to $1,123,900, and properties with 4-units peak at $1,396,800.
Leverage our FHA calculator to uncover today's top FHA rates and calculate the essential downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator helps compare FHA rates and conditions against other available loan programs. Examine and match options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in conjunction with FHA.
With Lendersa®, comprehensive data from numerous lenders is rapidly evaluated relative to your specific financial situation and preferences.
The Loan Limits Comparison Table for 2026 within Winnsboro county, part of Fairfield, SC, covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans' maximums. Assess eligibility requisites including income, reserves, and credit using Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| 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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