CapCenter
North Carolina · 2026

2026 loan limits in North Carolina

  • ZERO Closing Costs on eligible loans
  • Free quote. No credit check.
  • Local experts, family-owned since 1997
  • ZERO Closing Costs
  • 4.8 Google
  • 5.0 Zillow
  • NMLS #67717
$832,750highest conforming limit, 1 unit

In Wake County. The 2026 baseline limit, the same as 932 of 972 county-equivalents in the 12 states we lend in.

See rates

Sources: FHFA and HUD 2026 loan limit files. Restrictions apply.

North Carolina limits by county

1-unit limitConformingFHA
Chatham County$832,750$634,800
Durham County$832,750$634,800
Franklin County$832,750$541,287
Guilford County$832,750$541,287
Johnston County$832,750$541,287
Mecklenburg County$832,750$541,287
Orange County$832,750$634,800
Person County$832,750$634,800
Pitt County$832,750$541,287
Union County$832,750$541,287
Wake County$832,750$541,287

Sources: FHFA 2026 conforming loan limits, HUD 2026 FHA mortgage limits.

Nearby
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender.