North Carolina Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

Have Questions About Loan Limits? Experts are Standing By!

North Carolina Conventional Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ALAMANCE$453,100$580,150$701,250$871,450
ALEXANDER$453,100$580,150$701,250$871,450
ALLEGHANY$453,100$580,150$701,250$871,450
ANSON$453,100$580,150$701,250$871,450
ASHE$453,100$580,150$701,250$871,450
AVERY$453,100$580,150$701,250$871,450
BEAUFORT$453,100$580,150$701,250$871,450
BERTIE$453,100$580,150$701,250$871,450
BLADEN$453,100$580,150$701,250$871,450
BRUNSWICK$453,100$580,150$701,250$871,450
BUNCOMBE$453,100$580,150$701,250$871,450
BURKE$453,100$580,150$701,250$871,450
CABARRUS$453,100$580,150$701,250$871,450
CALDWELL$453,100$580,150$701,250$871,450
CAMDEN$625,500 $800,775 $967,950 $1,202,925
CARTERET$453,100$580,150$701,250$871,450
CASWELL$453,100$580,150$701,250$871,450
CATAWBA$453,100$580,150$701,250$871,450
CHATHAM$453,100$580,150$701,250$871,450
CHEROKEE$453,100$580,150$701,250$871,450
CHOWAN$453,100$580,150$701,250$871,450
CLAY$453,100$580,150$701,250$871,450
CLEVELAND$453,100$580,150$701,250$871,450
COLUMBUS$453,100$580,150$701,250$871,450
CRAVEN$453,100$580,150$701,250$871,450
CUMBERLAND$453,100$580,150$701,250$871,450
CURRITUCK$458,850$587,400 $710,050 $882,400
DARE$453,100$580,150$701,250$871,450
DAVIDSON$453,100$580,150$701,250$871,450
DAVIE$453,100$580,150$701,250$871,450
DUPLIN$453,100$580,150$701,250$871,450
DURHAM$453,100$580,150$701,250$871,450
EDGECOMBE$453,100$580,150$701,250$871,450
FORSYTH$453,100$580,150$701,250$871,450
FRANKLIN$453,100$580,150$701,250$871,450
GASTON$453,100$580,150$701,250$871,450
GATES$458,850 $587,400 $710,050 $882,400
GRAHAM$453,100 $580,150 $701,250 $871,450
GRANVILLE$453,100 $580,150 $701,250 $871,450
GREENE$453,100 $580,150 $701,250 $871,450
GUILFORD$453,100 $580,150 $701,250 $871,450
HALIFAX$453,100 $580,150 $701,250 $871,450
HARNETT$453,100 $580,150 $701,250 $871,450
HAYWOOD$453,100 $580,150 $701,250 $871,450
HENDERSON$453,100 $580,150 $701,250 $871,450
HERTFORD$453,100 $580,150 $701,250 $871,450
HOKE$453,100 $580,150 $701,250 $871,450
HYDE$483,000 $618,300 $747,400 $928,850
IREDELL$453,100 $580,150 $701,250 $871,450
JACKSON$453,100 $580,150 $701,250 $871,450
JOHNSTON$453,100 $580,150 $701,250 $871,450
JONES$453,100 $580,150 $701,250 $871,450
LEE$453,100 $580,150 $701,250 $871,450
LENOIR$453,100 $580,150 $701,250 $871,450
LINCOLN$453,100 $580,150 $701,250 $871,450
MCDOWELL$453,100 $580,150 $701,250 $871,450
MACON$453,100 $580,150 $701,250 $871,450
MADISON$453,100 $580,150 $701,250 $871,450
MARTIN$453,100 $580,150 $701,250 $871,450
MECKLENBURG$453,100 $580,150 $701,250 $871,450
MITCHELL$453,100 $580,150 $701,250 $871,450
MONTGOMERY$453,100 $580,150 $701,250 $871,450
MOORE$453,100 $580,150 $701,250 $871,450
NASH$453,100 $580,150 $701,250 $871,450
NEW HANOVER$453,100 $580,150 $701,250 $871,450
NORTHAMPTON$453,100 $580,150 $701,250 $871,450
ONSLOW$453,100 $580,150 $701,250 $871,450
ORANGE$453,100 $580,150 $701,250 $871,450
PAMLICO$453,100 $580,150 $701,250 $871,450
PASQUOTANK$625,500 $800,775 $967,950 $1,202,925
PENDER$453,100 $580,150 $701,250 $871,450
PERQUIMANS$625,500 $800,775 $967,950 $1,202,925
PERSON$453,100 $580,150 $701,250 $871,450
PITT$453,100 $580,150 $701,250 $871,450
POLK$453,100 $580,150 $701,250 $871,450
RANDOLPH$453,100 $580,150 $701,250 $871,450
RICHMOND$453,100 $580,150 $701,250 $871,450
ROBESON$453,100 $580,150 $701,250 $871,450
ROCKINGHAM$453,100 $580,150 $701,250 $871,450
ROWAN$453,100 $580,150 $701,250 $871,450
RUTHERFORD$453,100 $580,150 $701,250 $871,450
SAMPSON$453,100 $580,150 $701,250 $871,450
SCOTLAND$453,100 $580,150 $701,250 $871,450
STANLY$453,100 $580,150 $701,250 $871,450
STOKES$453,100 $580,150 $701,250 $871,450
SURRY$453,100 $580,150 $701,250 $871,450
SWAIN$453,100 $580,150 $701,250 $871,450
TRANSYLVANIA$453,100 $580,150 $701,250 $871,450
TYRRELL$453,100 $580,150 $701,250 $871,450
UNION$453,100 $580,150 $701,250 $871,450
VANCE$453,100 $580,150 $701,250 $871,450
WAKE$453,100 $580,150 $701,250 $871,450
WARREN$453,100 $580,150 $701,250 $871,450
WASHINGTON$453,100 $580,150 $701,250 $871,450
WATAUGA$453,100 $580,150 $701,250 $871,450
WAYNE$453,100 $580,150 $701,250 $871,450
WILKES$453,100 $580,150 $701,250 $871,450
WILSON$453,100 $580,150 $701,250 $871,450
YADKIN$453,100 $580,150 $701,250 $871,450
YANCEY$453,100 $580,150 $701,250 $871,450
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