https://blog.charlestonmtg.com/tags/fha-loan/Recent content in Fha Loan on Charleston Mortgage BlogHugoen-usTue, 03 Nov 2026 06:30:00 -0600https://blog.charlestonmtg.com/posts/fha-loan-charleston-sc/Tue, 03 Nov 2026 06:30:00 -0600https://blog.charlestonmtg.com/posts/fha-loan-charleston-sc/<p><strong>An FHA loan in Charleston SC lets eligible buyers purchase with 3.5% down and a credit score of 580 or higher. In 2026, the FHA limit for a one-unit home is $690,000 in Charleston, Berkeley, and Dorchester counties. That covers the region&rsquo;s $425,000 September median price, with mortgage insurance as the trade-off.</strong></p> <p>FHA loans are insured by the Federal Housing Administration, part of HUD. Because the government backs part of the risk, lenders can accept smaller down payments and more flexible credit. Here&rsquo;s how FHA works across the Charleston area in 2026.</p>