North Carolina FHA Loan Limits

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$331,760$424,800$513,450$638,100
ALEXANDERHICKORY-LENOIR-MORGANTON, NC$331,760$424,800$513,450$638,100
ALLEGHANYNON-METRO$331,760$424,800$513,450$638,100
ANSONCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
ASHENON-METRO$331,760$424,800$513,450$638,100
AVERYNON-METRO$331,760$424,800$513,450$638,100
BEAUFORTWASHINGTON, NC$331,760$424,800$513,450$638,100
BERTIENON-METRO$331,760$424,800$513,450$638,100
BLADENNON-METRO$331,760$424,800$513,450$638,100
BRUNSWICKMYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC$331,760$424,800$513,450$638,100
BUNCOMBEASHEVILLE, NC$331,760$424,800$513,450$638,100
BURKEHICKORY-LENOIR-MORGANTON, NC$331,760$424,800$513,450$638,100
CABARRUSCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
CALDWELLHICKORY-LENOIR-MORGANTON, NC$331,760$424,800$513,450$638,100
CAMDENVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
CARTERETMOREHEAD CITY, NC$331,760$424,800$513,450$638,100
CASWELLNON-METRO$331,760$424,800$513,450$638,100
CATAWBAHICKORY-LENOIR-MORGANTON, NC$331,760$424,800$513,450$638,100
CHATHAMDURHAM-CHAPEL HILL, NC$414,000$530,000$640,650$796,150
CHEROKEENON-METRO$331,760$424,800$513,450$638,100
CHOWANNON-METRO$331,760$424,800$513,450$638,100
CLAYNON-METRO$331,760$424,800$513,450$638,100
CLEVELANDSHELBY, NC$331,760$424,800$513,450$638,100
COLUMBUSNON-METRO$331,760$424,800$513,450$638,100
CRAVENNEW BERN, NC$331,760$424,800$513,450$638,100
CUMBERLANDFAYETTEVILLE, NC$331,760$424,800$513,450$638,100
CURRITUCKVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
DAREKILL DEVIL HILLS, NC$391,000$500,550$605,050$751,900
DAVIDSONWINSTON-SALEM, NC$331,760$424,800$513,450$638,100
DAVIEWINSTON-SALEM, NC$331,760$424,800$513,450$638,100
DUPLINNON-METRO$331,760$424,800$513,450$638,100
DURHAMDURHAM-CHAPEL HILL, NC$414,000$530,000$640,650$796,150
EDGECOMBEROCKY MOUNT, NC$331,760$424,800$513,450$638,100
FORSYTHWINSTON-SALEM, NC$331,760$424,800$513,450$638,100
FRANKLINRALEIGH-CARY, NC$353,050$451,950$546,300$678,950
GASTONCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
GATESVIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC$458,850$587,400$710,050$882,400
GRAHAMNON-METRO$331,760$424,800$513,450$638,100
GRANVILLEDURHAM-CHAPEL HILL, NC$414,000$530,000$640,650$796,150
GREENENON-METRO$331,760$424,800$513,450$638,100
GUILFORDGREENSBORO-HIGH POINT, NC$331,760$424,800$513,450$638,100
HALIFAXROANOKE RAPIDS, NC$331,760$424,800$513,450$638,100
HARNETTFAYETTEVILLE, NC$331,760$424,800$513,450$638,100
HAYWOODASHEVILLE, NC$331,760$424,800$513,450$638,100
HENDERSONASHEVILLE, NC$331,760$424,800$513,450$638,100
HERTFORDNON-METRO$331,760$424,800$513,450$638,100
HOKEFAYETTEVILLE, NC$331,760$424,800$513,450$638,100
HYDENON-METRO$483,000$618,300$747,400$928,850
IREDELLCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
JACKSONCULLOWHEE, NC$331,760$424,800$513,450$638,100
JOHNSTONRALEIGH-CARY, NC$353,050$451,950$546,300$678,950
JONESNEW BERN, NC$331,760$424,800$513,450$638,100
LEESANFORD, NC$331,760$424,800$513,450$638,100
LENOIRKINSTON, NC$331,760$424,800$513,450$638,100
LINCOLNCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
MACONNON-METRO$331,760$424,800$513,450$638,100
MADISONASHEVILLE, NC$331,760$424,800$513,450$638,100
MARTINNON-METRO$331,760$424,800$513,450$638,100
MCDOWELLMARION, NC$331,760$424,800$513,450$638,100
MECKLENBURGCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
MITCHELLNON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYNON-METRO$331,760$424,800$513,450$638,100
MOOREPINEHURST-SOUTHERN PINES, NC$331,760$424,800$513,450$638,100
NASHROCKY MOUNT, NC$331,760$424,800$513,450$638,100
NEW HANOVERWILMINGTON, NC$331,760$424,800$513,450$638,100
NORTHAMPTONROANOKE RAPIDS, NC$331,760$424,800$513,450$638,100
ONSLOWJACKSONVILLE, NC$331,760$424,800$513,450$638,100
ORANGEDURHAM-CHAPEL HILL, NC$414,000$530,000$640,650$796,150
PAMLICONEW BERN, NC$331,760$424,800$513,450$638,100
PASQUOTANKELIZABETH CITY, NC$765,600$980,325$1,184,925$1,472,550
PENDERWILMINGTON, NC$331,760$424,800$513,450$638,100
PERQUIMANSELIZABETH CITY, NC$765,600$980,325$1,184,925$1,472,550
PERSONDURHAM-CHAPEL HILL, NC$414,000$530,000$640,650$796,150
PITTGREENVILLE, NC$331,760$424,800$513,450$638,100
POLKNON-METRO$331,760$424,800$513,450$638,100
RANDOLPHGREENSBORO-HIGH POINT, NC$331,760$424,800$513,450$638,100
RICHMONDROCKINGHAM, NC$331,760$424,800$513,450$638,100
ROBESONLUMBERTON, NC$331,760$424,800$513,450$638,100
ROCKINGHAMGREENSBORO-HIGH POINT, NC$331,760$424,800$513,450$638,100
ROWANCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
RUTHERFORDFOREST CITY, NC$331,760$424,800$513,450$638,100
SAMPSONNON-METRO$331,760$424,800$513,450$638,100
SCOTLANDLAURINBURG, NC$331,760$424,800$513,450$638,100
STANLYALBEMARLE, NC$331,760$424,800$513,450$638,100
STOKESWINSTON-SALEM, NC$331,760$424,800$513,450$638,100
SURRYMOUNT AIRY, NC$331,760$424,800$513,450$638,100
SWAINCULLOWHEE, NC$331,760$424,800$513,450$638,100
TRANSYLVANIABREVARD, NC$331,760$424,800$513,450$638,100
TYRRELLNON-METRO$331,760$424,800$513,450$638,100
UNIONCHARLOTTE-CONCORD-GASTONIA, NC-SC$331,760$424,800$513,450$638,100
VANCEHENDERSON, NC$331,760$424,800$513,450$638,100
WAKERALEIGH-CARY, NC$353,050$451,950$546,300$678,950
WARRENNON-METRO$331,760$424,800$513,450$638,100
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100
WATAUGABOONE, NC$331,760$424,800$513,450$638,100
WAYNEGOLDSBORO, NC$331,760$424,800$513,450$638,100
WILKESNORTH WILKESBORO, NC$331,760$424,800$513,450$638,100
WILSONWILSON, NC$331,760$424,800$513,450$638,100
YADKINWINSTON-SALEM, NC$331,760$424,800$513,450$638,100
YANCEYNON-METRO$331,760$424,800$513,450$638,100

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

 

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