$832,750
The same one-unit conforming limit appears throughout the state’s FHFA records. This cap applies to the loan, not the sale price.
Compare North Carolina mortgage rates—and the costs behind them.
There is no single mortgage rate for every North Carolina borrower. Match the loan type, amount, points and lock period before comparing written offers. Then check your county’s loan limit, property expenses and assistance terms so a smaller estimate does not hide a larger bill.
Educational coverage does not guarantee an available originator. You choose whether to share contact details.
What should a North Carolina mortgage shopper check first?
Start with the property’s county or equivalent area, the number of units, and the lender’s authority to originate your loan.
100 areas
Alamance County and the other areas in the table share this one-unit limit. Taxes, insurance and assistance eligibility can still differ.
North Carolina Housing Finance Agency
Use the agency’s current information to check programs and participating lenders.
Visit the housing agency ↗Sources: FHFA’s 2026 county table and NCSHA’s state agency directory. Checked September 20, 2026.
2026 North Carolina conforming loan limits by county
Use the property’s exact jurisdiction and unit count. Being below the limit does not establish approval, a down-payment requirement or a rate; ask whether a quote uses standard conforming, high-balance or jumbo pricing.
100 of 100 areas shown. Source: FHFA 2026 county table. Search changes this table only.
| County or equivalent area | Maximum loan amount |
|---|---|
| Alamance County | $832,750 |
| Alexander County | $832,750 |
| Alleghany County | $832,750 |
| Anson County | $832,750 |
| Ashe County | $832,750 |
| Avery County | $832,750 |
| Beaufort County | $832,750 |
| Bertie County | $832,750 |
| Bladen County | $832,750 |
| Brunswick County | $832,750 |
| Buncombe County | $832,750 |
| Burke County | $832,750 |
| Cabarrus County | $832,750 |
| Caldwell County | $832,750 |
| Camden County | $832,750 |
| Carteret County | $832,750 |
| Caswell County | $832,750 |
| Catawba County | $832,750 |
| Chatham County | $832,750 |
| Cherokee County | $832,750 |
| Chowan County | $832,750 |
| Clay County | $832,750 |
| Cleveland County | $832,750 |
| Columbus County | $832,750 |
| Craven County | $832,750 |
| Cumberland County | $832,750 |
| Currituck County | $832,750 |
| Dare County | $832,750 |
| Davidson County | $832,750 |
| Davie County | $832,750 |
| Duplin County | $832,750 |
| Durham County | $832,750 |
| Edgecombe County | $832,750 |
| Forsyth County | $832,750 |
| Franklin County | $832,750 |
| Gaston County | $832,750 |
| Gates County | $832,750 |
| Graham County | $832,750 |
| Granville County | $832,750 |
| Greene County | $832,750 |
| Guilford County | $832,750 |
| Halifax County | $832,750 |
| Harnett County | $832,750 |
| Haywood County | $832,750 |
| Henderson County | $832,750 |
| Hertford County | $832,750 |
| Hoke County | $832,750 |
| Hyde County | $832,750 |
| Iredell County | $832,750 |
| Jackson County | $832,750 |
| Johnston County | $832,750 |
| Jones County | $832,750 |
| Lee County | $832,750 |
| Lenoir County | $832,750 |
| Lincoln County | $832,750 |
| Mcdowell County | $832,750 |
| Macon County | $832,750 |
| Madison County | $832,750 |
| Martin County | $832,750 |
| Mecklenburg County | $832,750 |
| Mitchell County | $832,750 |
| Montgomery County | $832,750 |
| Moore County | $832,750 |
| Nash County | $832,750 |
| New Hanover County | $832,750 |
| Northampton County | $832,750 |
| Onslow County | $832,750 |
| Orange County | $832,750 |
| Pamlico County | $832,750 |
| Pasquotank County | $832,750 |
| Pender County | $832,750 |
| Perquimans County | $832,750 |
| Person County | $832,750 |
| Pitt County | $832,750 |
| Polk County | $832,750 |
| Randolph County | $832,750 |
| Richmond County | $832,750 |
| Robeson County | $832,750 |
| Rockingham County | $832,750 |
| Rowan County | $832,750 |
| Rutherford County | $832,750 |
| Sampson County | $832,750 |
| Scotland County | $832,750 |
| Stanly County | $832,750 |
| Stokes County | $832,750 |
| Surry County | $832,750 |
| Swain County | $832,750 |
| Transylvania County | $832,750 |
| Tyrrell County | $832,750 |
| Union County | $832,750 |
| Vance County | $832,750 |
| Wake County | $832,750 |
| Warren County | $832,750 |
| Washington County | $832,750 |
| Watauga County | $832,750 |
| Wayne County | $832,750 |
| Wilkes County | $832,750 |
| Wilson County | $832,750 |
| Yadkin County | $832,750 |
| Yancey County | $832,750 |
County-equivalent names follow FHFA’s table, including parishes, boroughs, planning regions and independent cities. Confirm the property’s jurisdiction with your lender. FHA limits are separate.
Original FHFA table, all counties (PDF) · Current FHFA releases · HUD’s separate FHA limit lookup. This is a dated 2026 reference, not a live underwriting feed.
Where should I look for North Carolina down-payment help?
North Carolina Housing Finance Agency is the state housing-agency starting point listed by NCSHA. A directory listing does not mean every program is open or every applicant qualifies.
Ask for two complete options
Request a written comparison with and without assistance. Include the first mortgage’s rate and fees, the assistance balance, any monthly payment, and the amount due if you sell or refinance. Cash saved today and total financing cost are different questions.
- Is this a grant, forgivable loan or repayable second mortgage?
- Are there income, purchase-price, location or first-time-buyer rules?
- Which lenders are approved, and is homebuyer education required?
- What happens when you move, sell, refinance or repay early?
How can I compare North Carolina quotes without misleading totals?
Keep property costs and timing assumptions consistent, then compare lender-controlled pricing and the cost over your expected time in the loan.
| Check | Ask for | Why it matters |
|---|---|---|
| Rate, points and credits | The same loan amount, structure and lock period | A rate bought with points is not the same offer as a zero-point quote. |
| Property taxes | The actual jurisdiction and an estimate appropriate to the purchase | Ask the local tax authority whether the seller’s exemptions or assessment will apply to you. |
| Insurance and association costs | A property-specific insurance quote, deductibles, HOA dues and known assessments | Ask about required flood or other coverage; generic monthly placeholders can understate the budget. |
| Title, settlement and government charges | An itemized provider estimate and who pays each charge | Confirm local charges and contract allocations instead of assuming one statewide closing-cost percentage. |
| Prepaids and escrow | The same closing date, insurance premium and tax assumptions | Lower reserves or fewer prepaid days can reduce cash to close without improving the loan price. |
See the CFPB Loan Estimate explainer. Use the SLR comparison worksheet to keep estimates organized.
How do I verify a North Carolina loan officer?
Match the person’s NMLS identifier, company and current licensing or registration record in NMLS Consumer Access. Confirm authority for your property state; bank originators and state-licensed originators can have different registration structures. If the record is unclear, check with the listed regulator before sending sensitive documents.
SLR’s educational pages do not confer licensing or represent every lender. Check participating originators and decide separately whom to contact.
Where can I see current mortgage-rate context?
The market dashboard labels national benchmarks by source and observation date. Those figures are not measured North Carolina rates or available loan offers. Reprice your own scenario with the lender when your property, loan details or lock timing changes.
Find the right starting point in North Carolina
Buying your first home?
Compare a lender’s document review, communication and experience with assistance programs. Check current programs and approved lenders with North Carolina Housing Finance Agency before counting on funds.
Use the first-time buyer comparison →Working through credit challenges?
Ask which loan programs fit your complete file and whether the lender has requirements beyond the program minimum. State assistance eligibility and mortgage approval are separate reviews.
Prepare a credit and mortgage plan →Choosing between loan officers?
Compare written terms for the same North Carolina property and verify current licensing or registration. A directory listing does not establish the lowest price or represent every provider.
Build a lender comparison →Browse participating North Carolina originators →
Considering a refinance? Compare costs and your payoff timeline. Exploring home equity? Check combined payments and repayment terms before borrowing.
North Carolina mortgage questions
What is the 2026 conforming loan limit in North Carolina?
The 2026 one-unit limit is $832,750 across the 100 county-equivalent areas in FHFA’s North Carolina table. Two- to four-unit limits differ. This is a loan-amount limit, not a home-price cap or an approval.
Where can I find North Carolina homebuyer assistance information?
Start with North Carolina Housing Finance Agency, listed in NCSHA’s state agency directory. Ask about currently open programs, approved lenders, income and purchase-price limits, education, and whether assistance must be repaid. Agency listing does not establish your eligibility or program funding.
Are the rates on this page actual North Carolina offers?
No. The market link provides dated national benchmarks. An actual North Carolina quote requires your loan and property details, current lender pricing and a defined lock period. Educational coverage of this state does not guarantee an available SLR originator.