Mortgage broker in Lexington County, SC

Buying in Lexington County

Lexington County, with its county seat in Lexington, also takes in West Columbia, Cayce, Irmo, Chapin, Gilbert and Batesburg-Leesville. Lexington County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in South Carolina, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

SC Housing (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Lexington County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Lexington County: west of Columbia and Lake Murray

The Town of Lexington, Red Bank and Chapin have grown quickly, with newer subdivisions, homeowners associations and steady new construction. West Columbia and Cayce, across the river from downtown Columbia, are older, with more moderate prices.

Lake Murray shapes the northern side of the county. Lake homes are priced well above the rest, the shoreline is managed by the utility that operates the lake, and whether the home is a primary residence or a second home decides the loan and the property tax rate. The western county, around Gilbert, Pelion and Batesburg-Leesville, is rural, with wells, septic systems and many addresses inside the USDA eligibility map.

Mortgage broker in Lexington County by the numbers

Median home value

$234,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.49% of home value a year: median tax bill $1,151 on a median value of $234,500 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Deed recording fee of $1.85 per $500 of the price (South Carolina Department of Revenue, deed recording fee)

Largest communities

Lexington, West Columbia, Seven Oaks, Cayce (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $234,500. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in South Carolina

Closings in South Carolina are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the South Carolina page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Lexington County buyers ask

South Carolina notice. In South Carolina, Stellar Mortgage Corporation, NMLS #2190975, is a licensed mortgage broker. We arrange mortgage loans with lenders and do not make loans in South Carolina.

Limits shown are the 2026 FHFA and HUD figures for Lexington County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.