What are FHA Loan Limits in North Carolina?

FHA loans are a low down payment mortgage program and North Carolina FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in North Carolina are set at the floor amount of $275,665 across almost the entire state.

North Carolina FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ALAMANCEBURLINGTON, NC$275,665$352,950$426,625$530,150
ALEXANDERHICKORY-LENOIR-MORGANTON, NC$275,665$352,950$426,625$530,150
ALLEGHANYNON-METRO$275,665$352,950$426,625$530,150
ANSONNON-METRO$275,665$352,950$426,625$530,150
ASHENON-METRO$275,665$352,950$426,625$530,150
AVERYNON-METRO$275,665$352,950$426,625$530,150
BEAUFORTWASHINGTON, NC$275,665$352,950$426,625$530,150
BERTIENON-METRO$275,665$352,950$426,625$530,150
BLADENNON-METRO$275,665$352,950$426,625$530,150
BRUNSWICKMYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH,$275,665$352,950$426,625$530,150
BUNCOMBEASHEVILLE, NC$275,665$352,950$426,625$530,150
BURKEHICKORY-LENOIR-MORGANTON, NC$275,665$352,950$426,625$530,150
CABARRUSCHARLOTTE-CONCORD-GASTONIA, NC-SC$280,600$359,200$434,200$539,600
CALDWELLHICKORY-LENOIR-MORGANTON, NC$275,665$352,950$426,625$530,150
CAMDENELIZABETH CITY, NC$636,150$814,500$984,525$1,223,475
CARTERETMOREHEAD CITY, NC$275,665$352,950$426,625$530,150
CASWELLNON-METRO$275,665$352,950$426,625$530,150
CATAWBAHICKORY-LENOIR-MORGANTON, NC$275,665$352,950$426,625$530,150
CHATHAMDURHAM-CHAPEL HILL, NC$359,950$460,800$557,000$692,200
CHEROKEENON-METRO$275,665$352,950$426,625$530,150
CHOWANNON-METRO$275,665$352,950$426,625$530,150
CLAYNON-METRO$275,665$352,950$426,625$530,150
CLEVELANDSHELBY, NC$275,665$352,950$426,625$530,150
COLUMBUSNON-METRO$275,665$352,950$426,625$530,150
CRAVENNEW BERN, NC$275,665$352,950$426,625$530,150
CUMBERLANDFAYETTEVILLE, NC$275,665$352,950$426,625$530,150
CURRITUCKVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
DAREKILL DEVIL HILLS, NC$391,000$500,550$605,050$751,900
DAVIDSONWINSTON-SALEM, NC$275,665$352,950$426,625$530,150
DAVIEWINSTON-SALEM, NC$275,665$352,950$426,625$530,150
DUPLINNON-METRO$275,665$352,950$426,625$530,150
DURHAMDURHAM-CHAPEL HILL, NC$359,950$460,800$557,000$692,200
EDGECOMBEROCKY MOUNT, NC$275,665$352,950$426,625$530,150
FORSYTHWINSTON-SALEM, NC$275,665$352,950$426,625$530,150
FRANKLINRALEIGH, NC$300,150$384,250$464,450$577,200
GASTONCHARLOTTE-CONCORD-GASTONIA, NC-SC$280,600$359,200$434,200$539,600
GATESVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA$458,850$587,400$710,050$882,400
GRAHAMNON-METRO$275,665$352,950$426,625$530,150
GRANVILLEOXFORD, NC$275,665$352,950$426,625$530,150
GREENENON-METRO$275,665$352,950$426,625$530,150
GUILFORDGREENSBORO-HIGH POINT, NC$275,665$352,950$426,625$530,150
HALIFAXROANOKE RAPIDS, NC$275,665$352,950$426,625$530,150
HARNETTDUNN, NC$275,665$352,950$426,625$530,150
HAYWOODASHEVILLE, NC$275,665$352,950$426,625$530,150
HENDERSONASHEVILLE, NC$275,665$352,950$426,625$530,150
HERTFORDNON-METRO$275,665$352,950$426,625$530,150
HOKEFAYETTEVILLE, NC$275,665$352,950$426,625$530,150
HYDENON-METRO$483,000$618,300$747,400$928,850
IREDELLCHARLOTTE-CONCORD-GASTONIA, NC-SC$280,600$359,200$434,200$539,600
JACKSONCULLOWHEE, NC$275,665$352,950$426,625$530,150
JOHNSTONRALEIGH, NC$300,150$384,250$464,450$577,200
JONESNEW BERN, NC$275,665$352,950$426,625$530,150
LEESANFORD, NC$275,665$352,950$426,625$530,150
LENOIRKINSTON, NC$275,665$352,950$426,625$530,150
LINCOLNCHARLOTTE-CONCORD-GASTONIA, NC-SC$280,600$359,200$434,200$539,600
MACONNON-METRO$275,665$352,950$426,625$530,150
MADISONASHEVILLE, NC$275,665$352,950$426,625$530,150
MARTINNON-METRO$275,665$352,950$426,625$530,150
MCDOWELLMARION, NC$275,665$352,950$426,625$530,150
MECKLENBURGCHARLOTTE-CONCORD-GASTONIA, NC-SC$280,600$359,200$434,200$539,600
MITCHELLNON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYNON-METRO$275,665$352,950$426,625$530,150
MOOREPINEHURST-SOUTHERN PINES, NC$275,665$352,950$426,625$530,150
NASHROCKY MOUNT, NC$275,665$352,950$426,625$530,150
NEW HANOVERWILMINGTON, NC$275,665$352,950$426,625$530,150
NORTHAMPTONROANOKE RAPIDS, NC$275,665$352,950$426,625$530,150
ONSLOWJACKSONVILLE, NC$275,665$352,950$426,625$530,150
ORANGEDURHAM-CHAPEL HILL, NC$359,950$460,800$557,000$692,200
PAMLICONEW BERN, NC$275,665$352,950$426,625$530,150
PASQUOTANKELIZABETH CITY, NC$636,150$814,500$984,525$1,223,475
PENDERWILMINGTON, NC$275,665$352,950$426,625$530,150
PERQUIMANSELIZABETH CITY, NC$636,150$814,500$984,525$1,223,475
PERSONDURHAM-CHAPEL HILL, NC$359,950$460,800$557,000$692,200
PITTGREENVILLE, NC$275,665$352,950$426,625$530,150
POLKNON-METRO$275,665$352,950$426,625$530,150
RANDOLPHGREENSBORO-HIGH POINT, NC$275,665$352,950$426,625$530,150
RICHMONDROCKINGHAM, NC$275,665$352,950$426,625$530,150
ROBESONLUMBERTON, NC$275,665$352,950$426,625$530,150
ROCKINGHAMGREENSBORO-HIGH POINT, NC$275,665$352,950$426,625$530,150
ROWANCHARLOTTE-CONCORD-GASTONIA, NC-SC$280,600$359,200$434,200$539,600
RUTHERFORDFOREST CITY, NC$275,665$352,950$426,625$530,150
SAMPSONNON-METRO$275,665$352,950$426,625$530,150
SCOTLANDLAURINBURG, NC$275,665$352,950$426,625$530,150
STANLYALBEMARLE, NC$275,665$352,950$426,625$530,150
STOKESWINSTON-SALEM, NC$275,665$352,950$426,625$530,150
SURRYMOUNT AIRY, NC$275,665$352,950$426,625$530,150
SWAINNON-METRO$275,665$352,950$426,625$530,150
TRANSYLVANIABREVARD, NC$275,665$352,950$426,625$530,150
TYRRELLKILL DEVIL HILLS, NC$391,000$500,550$605,050$751,900
UNIONCHARLOTTE-CONCORD-GASTONIA, NC-SC$280,600$359,200$434,200$539,600
VANCEHENDERSON, NC$275,665$352,950$426,625$530,150
WAKERALEIGH, NC$300,150$384,250$464,450$577,200
WARRENNON-METRO$275,665$352,950$426,625$530,150
WASHINGTONNON-METRO$275,665$352,950$426,625$530,150
WATAUGABOONE, NC$275,665$352,950$426,625$530,150
WAYNEGOLDSBORO, NC$275,665$352,950$426,625$530,150
WILKESNORTH WILKESBORO, NC$275,665$352,950$426,625$530,150
WILSONWILSON, NC$275,665$352,950$426,625$530,150
YADKINWINSTON-SALEM, NC$275,665$352,950$426,625$530,150
YANCEYNON-METRO$275,665$352,950$426,625$530,150

North Carolina FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are North Carolina FHA Limits Set?

North Carolina FHA Loan LimitsMortgage limits for North Carolina FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

North Carolina FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in North Carolina is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in North Carolina is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

North Carolina FHA loan limits are set above the nationwide floor amount in Charlotte, Raleigh, Durham, Kill Devil Hills and surrounding areas. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

Get Your Rate Quote
Refinance     Purchase

As seen in: