FHA Loan Limits in North Carolina (2026)
For 2026, the FHA loan limit in most North Carolina counties is $541,287 for a single-family home. North Carolina has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in North Carolina
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Wake County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mecklenburg County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cumberland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Buncombe County | $541,287 | $692,997 | $1,041,072 | Standard |
| Guilford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Forsyth County | $541,287 | $692,997 | $1,041,072 | Standard |
| Durham County | $541,287 | $692,997 | $1,041,072 | Standard |
| Union County | $541,287 | $692,997 | $1,041,072 | Standard |
| Gaston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cabarrus County | $541,287 | $692,997 | $1,041,072 | Standard |
| Johnston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Onslow County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pitt County | $541,287 | $692,997 | $1,041,072 | Standard |
| Iredell County | $541,287 | $692,997 | $1,041,072 | Standard |
| Catawba County | $541,287 | $692,997 | $1,041,072 | Standard |
| Davidson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Alamance County | $541,287 | $692,997 | $1,041,072 | Standard |
| Randolph County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rowan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Brunswick County | $541,287 | $692,997 | $1,041,072 | Standard |
| Orange County | $541,287 | $692,997 | $1,041,072 | Standard |
| Harnett County | $541,287 | $692,997 | $1,041,072 | Standard |
| Henderson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wayne County | $541,287 | $692,997 | $1,041,072 | Standard |
| Robeson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Craven County | $541,287 | $692,997 | $1,041,072 | Standard |
| Burke County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rockingham County | $541,287 | $692,997 | $1,041,072 | Standard |
| Nash County | $541,287 | $692,997 | $1,041,072 | Standard |
| New Hanover County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in North Carolina
FHA loans are popular with first-time buyers in North Carolina because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in North Carolina for 2026?
- Most North Carolina counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in North Carolina?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.