North Carolina VA Loan Limits by County

Department of Veterans Affairs

VA Loans can be can be approved through either Fannie Mae's Desktop Underwriter (DU), or Freddie Mac's Loan Product Advisor (LPA). Conventional minimum loan limits are set nationwide.

VA Loan limits follow Conventional conforming loan limits, including 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.

VA Loans offer 100% financing up to the conforming loan limit for the County you are buying or refinancing a home in. 

If you are VA eligible and looking to buy owner occupied units (duplex, triplex, fourplex), you might want to compare the VA loan limit with the expanded FHA loan limits for units.

You can find FHA & Conventional Loan limits here.

Have Questions About Loan Limits? Experts are Standing By!

North Carolina VA Loan Limits by County

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