THE FHA IN South Carolina

FHA loans have been helping South Carolina residents since 1934

An FHA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

South Carolina First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in South Carolina with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

South Carolina FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as FHA Mortgage Interest Rates continue to decline.

South Carolina FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

South Carolina FHA Home Loan

How it works:

√  Determine the type of FHA Government Loan your needs.

√  Complete an easy 2 minute application form.

√  We will forward your application to one and only one FHA Approved Lender who can best help you base.

  • The type of loan you requested
  • Your down-payment (if purchase loan)
  • The location (State) your property is located
  • Your credit history
  • The best rate available for your loan

√  FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√  Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√  Review with no obligations your FHA Loan Pre-approval and locked rate.

 

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

South Carolina FHA Lending Limits 2025

South Carolina Median Home Sale Price Price $402,000

 

CountyOne Unit Two UnitThree Unit Four Unit
ABBEVILLE$524,225 $671,200$811,275 $1,008,300
AIKEN$524,225 $671,200$811,275 $1,008,300
ALLENDALE$524,225 $671,200$811,275 $1,008,300
ANDERSON$524,225 $671,200$811,275 $1,008,300
BAMBERG$524,225 $671,200$811,275 $1,008,300
BARNWELL$524,225 $671,200$811,275 $1,008,300
BEAUFORT$609,500 $780,250$943,150 $1,172,150
BERKELEY$632,500 $809,700$978,750 $1,216,350
CALHOUN$524,225 $671,200$811,275 $1,008,300
CHARLESTON$632,500 $809,700$978,750 $1,216,350
CHEROKEE$524,225 $671,200$811,275 $1,008,300
CHESTER$524,225 $671,200$811,275 $1,008,300
CHESTERFIELD$524,225 $671,200$811,275 $1,008,300
CLARENDON$524,225 $671,200$811,275 $1,008,300
COLLETON$524,225 $671,200$811,275 $1,008,300
DARLINGTON$524,225 $671,200$811,275 $1,008,300
DILLON$524,225 $671,200$811,275 $1,008,300
DORCHESTER$632,500 $809,700$978,750 $1,216,350
EDGEFIELD$524,225 $671,200$811,275 $1,008,300
FAIRFIELD$524,225 $671,200$811,275 $1,008,300
FLORENCE$524,225 $671,200$811,275 $1,008,300
GEORGETOWN$524,225 $671,200$811,275 $1,008,300
GREENVILLE$524,225 $671,200$811,275 $1,008,300
GREENWOOD$524,225 $671,200$811,275 $1,008,300
HAMPTON$524,225 $671,200$811,275 $1,008,300
HORRY$524,225 $671,200$811,275 $1,008,300
JASPER$609,500 $780,250$943,150 $1,172,150
KERSHAW$524,225 $671,200$811,275 $1,008,300
LANCASTER$524,225 $671,200$811,275 $1,008,300
LAURENS$524,225 $671,200$811,275 $1,008,300
LEE$524,225 $671,200$811,275 $1,008,300
LEXINGTON$524,225 $671,200$811,275 $1,008,300
MARION$524,225 $671,200$811,275 $1,008,300
MARLBORO$524,225 $671,200$811,275 $1,008,300
MCCORMICK$524,225 $671,200$811,275 $1,008,300
NEWBERRY$524,225 $671,200$811,275 $1,008,300
OCONEE$524,225 $671,200$811,275 $1,008,300
ORANGEBURG$524,225 $671,200$811,275 $1,008,300
PICKENS$524,225 $671,200$811,275 $1,008,300
RICHLAND$524,225 $671,200$811,275 $1,008,300
SALUDA$524,225 $671,200$811,275 $1,008,300
SPARTANBURG$524,225 $671,200$811,275 $1,008,300
SUMTER$524,225 $671,200$811,275 $1,008,300
UNION$524,225 $671,200$811,275 $1,008,300
WILLIAMSBURG$524,225 $671,200$811,275 $1,008,300
YORK$524,225 $671,200$811,275 $1,008,300