North Carolina Conventional Loan Limits by County

Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
ALAMANCE$424,100$543,000$656,350$815,650
ALEXANDER$424,100$543,000$656,350$815,650
ALLEGHANY$424,100$543,000$656,350$815,650
ANSON$424,100$543,000$656,350$815,650
ASHE$424,100$543,000$656,350$815,650
AVERY$424,100$543,000$656,350$815,650
BEAUFORT$424,100$543,000$656,350$815,650
BERTIE$424,100$543,000$656,350$815,650
BLADEN$424,100$543,000$656,350$815,650
BRUNSWICK$424,100$543,000$656,350$815,650
BUNCOMBE$424,100$543,000$656,350$815,650
BURKE$424,100$543,000$656,350$815,650
CABARRUS$424,100$543,000$656,350$815,650
CALDWELL$424,100$543,000$656,350$815,650
CAMDEN$625,500$800,775$967,950$1,202,925
CARTERET$424,100$543,000$656,350$815,650
CASWELL$424,100$543,000$656,350$815,650
CATAWBA$424,100$543,000$656,350$815,650
CHATHAM$424,100$543,000$656,350$815,650
CHEROKEE$424,100$543,000$656,350$815,650
CHOWAN$424,100$543,000$656,350$815,650
CLAY$424,100$543,000$656,350$815,650
CLEVELAND$424,100$543,000$656,350$815,650
COLUMBUS$424,100$543,000$656,350$815,650
CRAVEN$424,100$543,000$656,350$815,650
CUMBERLAND$424,100$543,000$656,350$815,650
CURRITUCK$458,850$587,400$710,050$882,400
DARE$424,100$543,000$656,350$815,650
DAVIDSON$424,100$543,000$656,350$815,650
DAVIE$424,100$543,000$656,350$815,650
DUPLIN$424,100$543,000$656,350$815,650
DURHAM$424,100$543,000$656,350$815,650
EDGECOMBE$424,100$543,000$656,350$815,650
FORSYTH$424,100$543,000$656,350$815,650
FRANKLIN$424,100$543,000$656,350$815,650
GASTON$424,100$543,000$656,350$815,650
GATES$458,850$587,400$710,050$882,400
GRAHAM$424,100$543,000$656,350$815,650
GRANVILLE$424,100$543,000$656,350$815,650
GREENE$424,100$543,000$656,350$815,650
GUILFORD$424,100$543,000$656,350$815,650
HALIFAX$424,100$543,000$656,350$815,650
HARNETT$424,100$543,000$656,350$815,650
HAYWOOD$424,100$543,000$656,350$815,650
HENDERSON$424,100$543,000$656,350$815,650
HERTFORD$424,100$543,000$656,350$815,650
HOKE$424,100$543,000$656,350$815,650
HYDE$483,000$618,300$747,400$928,850
IREDELL$424,100$543,000$656,350$815,650
JACKSON$424,100$543,000$656,350$815,650
JOHNSTON$424,100$543,000$656,350$815,650
JONES$424,100$543,000$656,350$815,650
LEE$424,100$543,000$656,350$815,650
LENOIR$424,100$543,000$656,350$815,650
LINCOLN$424,100$543,000$656,350$815,650
MCDOWELL$424,100$543,000$656,350$815,650
MACON$424,100$543,000$656,350$815,650
MADISON$424,100$543,000$656,350$815,650
MARTIN$424,100$543,000$656,350$815,650
MECKLENBURG$424,100$543,000$656,350$815,650
MITCHELL$424,100$543,000$656,350$815,650
MONTGOMERY$424,100$543,000$656,350$815,650
MOORE$424,100$543,000$656,350$815,650
NASH$424,100$543,000$656,350$815,650
NEW HANOVER$424,100$543,000$656,350$815,650
NORTHAMPTON$424,100$543,000$656,350$815,650
ONSLOW$424,100$543,000$656,350$815,650
ORANGE$424,100$543,000$656,350$815,650
PAMLICO$424,100$543,000$656,350$815,650
PASQUOTANK$625,500$800,775$967,950$1,202,925
PENDER$424,100$543,000$656,350$815,650
PERQUIMANS$625,500$800,775$967,950$1,202,925
PERSON$424,100$543,000$656,350$815,650
PITT$424,100$543,000$656,350$815,650
POLK$424,100$543,000$656,350$815,650
RANDOLPH$424,100$543,000$656,350$815,650
RICHMOND$424,100$543,000$656,350$815,650
ROBESON$424,100$543,000$656,350$815,650
ROCKINGHAM$424,100$543,000$656,350$815,650
ROWAN$424,100$543,000$656,350$815,650
RUTHERFORD$424,100$543,000$656,350$815,650
SAMPSON$424,100$543,000$656,350$815,650
SCOTLAND$424,100$543,000$656,350$815,650
STANLY$424,100$543,000$656,350$815,650
STOKES$424,100$543,000$656,350$815,650
SURRY$424,100$543,000$656,350$815,650
SWAIN$424,100$543,000$656,350$815,650
TRANSYLVANIA$424,100$543,000$656,350$815,650
TYRRELL$424,100$543,000$656,350$815,650
UNION$424,100$543,000$656,350$815,650
VANCE$424,100$543,000$656,350$815,650
WAKE$424,100$543,000$656,350$815,650
WARREN$424,100$543,000$656,350$815,650
WASHINGTON$424,100$543,000$656,350$815,650
WATAUGA$424,100$543,000$656,350$815,650
WAYNE$424,100$543,000$656,350$815,650
WILKES$424,100$543,000$656,350$815,650
WILSON$424,100$543,000$656,350$815,650
YADKIN$424,100$543,000$656,350$815,650
YANCEY$424,100$543,000$656,350$815,650
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