2026 loan limits in Aiken County, South Carolina
In Aiken County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Aiken County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Aiken County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Aiken County?
$541,287 for a one-unit home.
More for Aiken County
Aiken County property taxesFHA loan limits toolSouth Carolina closing costsAiken 29801 market dataAiken 29803 market dataAiken 29805 market dataBeech Island 29842 market dataGloverville 29828 market dataGraniteville 29829 market dataJackson 29831 market dataMonetta 29105 market dataNew Ellenton 29809 market dataNorth Augusta 29841 market data
2026 limits from HUD’s county files (Augusta-Richmond County, Ga-Sc). Conforming limits are set by the Federal Housing Finance Agency.