North Carolina 2020 FHA Loan Limits

Last Updated: Tue, August 18, 2020

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Alamance County to a high of $1,472,550 for a 4-bedroom unit in Pasquotank County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of North Carolina's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($638,100)
Highest Loan Limit ($1,472,550)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in North Carolina (100 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alamance County $331,760 $638,100 view details »
Alexander County $331,760 $638,100 view details »
Alleghany County $331,760 $638,100 view details »
Anson County $331,760 $638,100 view details »
Ashe County $331,760 $638,100 view details »
Avery County $331,760 $638,100 view details »
Beaufort County $331,760 $638,100 view details »
Bertie County $331,760 $638,100 view details »
Bladen County $331,760 $638,100 view details »
Brunswick County $331,760 $638,100 view details »
Buncombe County $331,760 $638,100 view details »
Burke County $331,760 $638,100 view details »
Cabarrus County $331,760 $638,100 view details »
Caldwell County $331,760 $638,100 view details »
Camden County $458,850 $882,400 view details »
Carteret County $331,760 $638,100 view details »
Caswell County $331,760 $638,100 view details »
Catawba County $331,760 $638,100 view details »
Chatham County $414,000 $796,150 view details »
Cherokee County $331,760 $638,100 view details »
Chowan County $331,760 $638,100 view details »
Clay County $331,760 $638,100 view details »
Cleveland County $331,760 $638,100 view details »
Columbus County $331,760 $638,100 view details »
Craven County $331,760 $638,100 view details »
Cumberland County $331,760 $638,100 view details »
Currituck County $458,850 $882,400 view details »
Dare County $391,000 $751,900 view details »
Davidson County $331,760 $638,100 view details »
Davie County $331,760 $638,100 view details »
Duplin County $331,760 $638,100 view details »
Durham County $414,000 $796,150 view details »
Edgecombe County $331,760 $638,100 view details »
Forsyth County $331,760 $638,100 view details »
Franklin County $353,050 $678,950 view details »
Gaston County $331,760 $638,100 view details »
Gates County $458,850 $882,400 view details »
Graham County $331,760 $638,100 view details »
Granville County $414,000 $796,150 view details »
Greene County $331,760 $638,100 view details »
Guilford County $331,760 $638,100 view details »
Halifax County $331,760 $638,100 view details »
Harnett County $331,760 $638,100 view details »
Haywood County $331,760 $638,100 view details »
Henderson County $331,760 $638,100 view details »
Hertford County $331,760 $638,100 view details »
Hoke County $331,760 $638,100 view details »
Hyde County $483,000 $928,850 view details »
Iredell County $331,760 $638,100 view details »
Jackson County $331,760 $638,100 view details »
Johnston County $353,050 $678,950 view details »
Jones County $331,760 $638,100 view details »
Lee County $331,760 $638,100 view details »
Lenoir County $331,760 $638,100 view details »
Lincoln County $331,760 $638,100 view details »
Mcdowell County $331,760 $638,100 view details »
Macon County $331,760 $638,100 view details »
Madison County $331,760 $638,100 view details »
Martin County $331,760 $638,100 view details »
Mecklenburg County $331,760 $638,100 view details »
Mitchell County $331,760 $638,100 view details »
Montgomery County $331,760 $638,100 view details »
Moore County $331,760 $638,100 view details »
Nash County $331,760 $638,100 view details »
New Hanover County $331,760 $638,100 view details »
Northampton County $331,760 $638,100 view details »
Onslow County $331,760 $638,100 view details »
Orange County $414,000 $796,150 view details »
Pamlico County $331,760 $638,100 view details »
Pasquotank County $765,600 $1,472,550 view details »
Pender County $331,760 $638,100 view details »
Perquimans County $765,600 $1,472,550 view details »
Person County $414,000 $796,150 view details »
Pitt County $331,760 $638,100 view details »
Polk County $331,760 $638,100 view details »
Randolph County $331,760 $638,100 view details »
Richmond County $331,760 $638,100 view details »
Robeson County $331,760 $638,100 view details »
Rockingham County $331,760 $638,100 view details »
Rowan County $331,760 $638,100 view details »
Rutherford County $331,760 $638,100 view details »
Sampson County $331,760 $638,100 view details »
Scotland County $331,760 $638,100 view details »
Stanly County $331,760 $638,100 view details »
Stokes County $331,760 $638,100 view details »
Surry County $331,760 $638,100 view details »
Swain County $331,760 $638,100 view details »
Transylvania County $331,760 $638,100 view details »
Tyrrell County $331,760 $638,100 view details »
Union County $331,760 $638,100 view details »
Vance County $331,760 $638,100 view details »
Wake County $353,050 $678,950 view details »
Warren County $331,760 $638,100 view details »
Washington County $331,760 $638,100 view details »
Watauga County $331,760 $638,100 view details »
Wayne County $331,760 $638,100 view details »
Wilkes County $331,760 $638,100 view details »
Wilson County $331,760 $638,100 view details »
Yadkin County $331,760 $638,100 view details »
Yancey County $331,760 $638,100 view details »

How to qualify for an FHA Loan in North Carolina?

To qualify for an FHA loan in North Carolina, your home loan must be below the local FHA loan limits in your area. For 2020, the maximum loan limit in North Carolina is $331,760 for a single-family home and $1,472,550 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in North Carolina. Additional restricts apply. Click on the North Carolina map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/north-carolina