North Carolina 2019 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.

Loan Limits by County in North Carolina (100 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alamance County $314,827 $605,525 view details »
Alexander County $314,827 $605,525 view details »
Alleghany County $314,827 $605,525 view details »
Anson County $314,827 $605,525 view details »
Ashe County $314,827 $605,525 view details »
Avery County $314,827 $605,525 view details »
Beaufort County $314,827 $605,525 view details »
Bertie County $314,827 $605,525 view details »
Bladen County $314,827 $605,525 view details »
Brunswick County $314,827 $605,525 view details »
Buncombe County $314,827 $605,525 view details »
Burke County $314,827 $605,525 view details »
Cabarrus County $317,400 $610,400 view details »
Caldwell County $314,827 $605,525 view details »
Camden County $726,525 $1,397,400 view details »
Carteret County $314,827 $605,525 view details »
Caswell County $314,827 $605,525 view details »
Catawba County $314,827 $605,525 view details »
Chatham County $403,650 $776,250 view details »
Cherokee County $314,827 $605,525 view details »
Chowan County $314,827 $605,525 view details »
Clay County $314,827 $605,525 view details »
Cleveland County $314,827 $605,525 view details »
Columbus County $314,827 $605,525 view details »
Craven County $314,827 $605,525 view details »
Cumberland County $314,827 $605,525 view details »
Currituck County $458,850 $882,400 view details »
Dare County $391,000 $751,900 view details »
Davidson County $314,827 $605,525 view details »
Davie County $314,827 $605,525 view details »
Duplin County $314,827 $605,525 view details »
Durham County $403,650 $776,250 view details »
Edgecombe County $314,827 $605,525 view details »
Forsyth County $314,827 $605,525 view details »
Franklin County $339,250 $652,400 view details »
Gaston County $317,400 $610,400 view details »
Gates County $458,850 $882,400 view details »
Graham County $314,827 $605,525 view details »
Granville County $314,827 $605,525 view details »
Greene County $314,827 $605,525 view details »
Guilford County $314,827 $605,525 view details »
Halifax County $314,827 $605,525 view details »
Harnett County $314,827 $605,525 view details »
Haywood County $314,827 $605,525 view details »
Henderson County $314,827 $605,525 view details »
Hertford County $314,827 $605,525 view details »
Hoke County $314,827 $605,525 view details »
Hyde County $483,000 $928,850 view details »
Iredell County $317,400 $610,400 view details »
Jackson County $314,827 $605,525 view details »
Johnston County $339,250 $652,400 view details »
Jones County $314,827 $605,525 view details »
Lee County $314,827 $605,525 view details »
Lenoir County $314,827 $605,525 view details »
Lincoln County $317,400 $610,400 view details »
Mcdowell County $314,827 $605,525 view details »
Macon County $314,827 $605,525 view details »
Madison County $314,827 $605,525 view details »
Martin County $314,827 $605,525 view details »
Mecklenburg County $317,400 $610,400 view details »
Mitchell County $314,827 $605,525 view details »
Montgomery County $314,827 $605,525 view details »
Moore County $314,827 $605,525 view details »
Nash County $314,827 $605,525 view details »
New Hanover County $314,827 $605,525 view details »
Northampton County $314,827 $605,525 view details »
Onslow County $314,827 $605,525 view details »
Orange County $403,650 $776,250 view details »
Pamlico County $314,827 $605,525 view details »
Pasquotank County $726,525 $1,397,400 view details »
Pender County $314,827 $605,525 view details »
Perquimans County $726,525 $1,397,400 view details »
Person County $403,650 $776,250 view details »
Pitt County $314,827 $605,525 view details »
Polk County $314,827 $605,525 view details »
Randolph County $314,827 $605,525 view details »
Richmond County $314,827 $605,525 view details »
Robeson County $314,827 $605,525 view details »
Rockingham County $314,827 $605,525 view details »
Rowan County $317,400 $610,400 view details »
Rutherford County $314,827 $605,525 view details »
Sampson County $314,827 $605,525 view details »
Scotland County $314,827 $605,525 view details »
Stanly County $314,827 $605,525 view details »
Stokes County $314,827 $605,525 view details »
Surry County $314,827 $605,525 view details »
Swain County $314,827 $605,525 view details »
Transylvania County $314,827 $605,525 view details »
Tyrrell County $391,000 $751,900 view details »
Union County $317,400 $610,400 view details »
Vance County $314,827 $605,525 view details »
Wake County $339,250 $652,400 view details »
Warren County $314,827 $605,525 view details »
Washington County $314,827 $605,525 view details »
Watauga County $314,827 $605,525 view details »
Wayne County $314,827 $605,525 view details »
Wilkes County $314,827 $605,525 view details »
Wilson County $314,827 $605,525 view details »
Yadkin County $314,827 $605,525 view details »
Yancey County $314,827 $605,525 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 2019, the maximum loan limit in North Carolina is $314,827 for a single-family home and $1,397,400 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