North Carolina FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Alamance County to a high of $1,397,400 for a 4-bedroom unit in Camden 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 ($605,525)
Highest Loan Limit ($1,397,400)

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

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. The maximum loan limit in North Carolina is $1,397,400 for a 4 living-unit home. 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. FHA loans cannot be used for real estate investment purposes or "flipping" homes in North Carolina. Click on the North Carolina map above or the table below to see loan limits in your area.

Loan Limits by County in North Carolina (100)

County Lowest Loan Limit Highest Loan Limit
Alamance County $314,827 $605,525 view loan limits »
Alexander County $314,827 $605,525 view loan limits »
Alleghany County $314,827 $605,525 view loan limits »
Anson County $314,827 $605,525 view loan limits »
Ashe County $314,827 $605,525 view loan limits »
Avery County $314,827 $605,525 view loan limits »
Beaufort County $314,827 $605,525 view loan limits »
Bertie County $314,827 $605,525 view loan limits »
Bladen County $314,827 $605,525 view loan limits »
Brunswick County $314,827 $605,525 view loan limits »
Buncombe County $314,827 $605,525 view loan limits »
Burke County $314,827 $605,525 view loan limits »
Cabarrus County $317,400 $610,400 view loan limits »
Caldwell County $314,827 $605,525 view loan limits »
Camden County $726,525 $1,397,400 view loan limits »
Carteret County $314,827 $605,525 view loan limits »
Caswell County $314,827 $605,525 view loan limits »
Catawba County $314,827 $605,525 view loan limits »
Chatham County $403,650 $776,250 view loan limits »
Cherokee County $314,827 $605,525 view loan limits »
Chowan County $314,827 $605,525 view loan limits »
Clay County $314,827 $605,525 view loan limits »
Cleveland County $314,827 $605,525 view loan limits »
Columbus County $314,827 $605,525 view loan limits »
Craven County $314,827 $605,525 view loan limits »
Cumberland County $314,827 $605,525 view loan limits »
Currituck County $458,850 $882,400 view loan limits »
Dare County $391,000 $751,900 view loan limits »
Davidson County $314,827 $605,525 view loan limits »
Davie County $314,827 $605,525 view loan limits »
Duplin County $314,827 $605,525 view loan limits »
Durham County $403,650 $776,250 view loan limits »
Edgecombe County $314,827 $605,525 view loan limits »
Forsyth County $314,827 $605,525 view loan limits »
Franklin County $339,250 $652,400 view loan limits »
Gaston County $317,400 $610,400 view loan limits »
Gates County $458,850 $882,400 view loan limits »
Graham County $314,827 $605,525 view loan limits »
Granville County $314,827 $605,525 view loan limits »
Greene County $314,827 $605,525 view loan limits »
Guilford County $314,827 $605,525 view loan limits »
Halifax County $314,827 $605,525 view loan limits »
Harnett County $314,827 $605,525 view loan limits »
Haywood County $314,827 $605,525 view loan limits »
Henderson County $314,827 $605,525 view loan limits »
Hertford County $314,827 $605,525 view loan limits »
Hoke County $314,827 $605,525 view loan limits »
Hyde County $483,000 $928,850 view loan limits »
Iredell County $317,400 $610,400 view loan limits »
Jackson County $314,827 $605,525 view loan limits »
Johnston County $339,250 $652,400 view loan limits »
Jones County $314,827 $605,525 view loan limits »
Lee County $314,827 $605,525 view loan limits »
Lenoir County $314,827 $605,525 view loan limits »
Lincoln County $317,400 $610,400 view loan limits »
Mcdowell County $314,827 $605,525 view loan limits »
Macon County $314,827 $605,525 view loan limits »
Madison County $314,827 $605,525 view loan limits »
Martin County $314,827 $605,525 view loan limits »
Mecklenburg County $317,400 $610,400 view loan limits »
Mitchell County $314,827 $605,525 view loan limits »
Montgomery County $314,827 $605,525 view loan limits »
Moore County $314,827 $605,525 view loan limits »
Nash County $314,827 $605,525 view loan limits »
New Hanover County $314,827 $605,525 view loan limits »
Northampton County $314,827 $605,525 view loan limits »
Onslow County $314,827 $605,525 view loan limits »
Orange County $403,650 $776,250 view loan limits »
Pamlico County $314,827 $605,525 view loan limits »
Pasquotank County $726,525 $1,397,400 view loan limits »
Pender County $314,827 $605,525 view loan limits »
Perquimans County $726,525 $1,397,400 view loan limits »
Person County $403,650 $776,250 view loan limits »
Pitt County $314,827 $605,525 view loan limits »
Polk County $314,827 $605,525 view loan limits »
Randolph County $314,827 $605,525 view loan limits »
Richmond County $314,827 $605,525 view loan limits »
Robeson County $314,827 $605,525 view loan limits »
Rockingham County $314,827 $605,525 view loan limits »
Rowan County $317,400 $610,400 view loan limits »
Rutherford County $314,827 $605,525 view loan limits »
Sampson County $314,827 $605,525 view loan limits »
Scotland County $314,827 $605,525 view loan limits »
Stanly County $314,827 $605,525 view loan limits »
Stokes County $314,827 $605,525 view loan limits »
Surry County $314,827 $605,525 view loan limits »
Swain County $314,827 $605,525 view loan limits »
Transylvania County $314,827 $605,525 view loan limits »
Tyrrell County $391,000 $751,900 view loan limits »
Union County $317,400 $610,400 view loan limits »
Vance County $314,827 $605,525 view loan limits »
Wake County $339,250 $652,400 view loan limits »
Warren County $314,827 $605,525 view loan limits »
Washington County $314,827 $605,525 view loan limits »
Watauga County $314,827 $605,525 view loan limits »
Wayne County $314,827 $605,525 view loan limits »
Wilkes County $314,827 $605,525 view loan limits »
Wilson County $314,827 $605,525 view loan limits »
Yadkin County $314,827 $605,525 view loan limits »
Yancey County $314,827 $605,525 view loan limits »

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