North Carolina Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be 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.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

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North Carolina Conventional Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ALAMANCE COUNTY$548,250$702,000$848,500$1,054,500
ALEXANDER COUNTY$548,250$702,000$848,500$1,054,500
ALLEGHANY COUNTY$548,250$702,000$848,500$1,054,500
ANSON COUNTY$548,250$702,000$848,500$1,054,500
ASHE COUNTY$548,250$702,000$848,500$1,054,500
AVERY COUNTY$548,250$702,000$848,500$1,054,500
BEAUFORT COUNTY$548,250$702,000$848,500$1,054,500
BERTIE COUNTY$548,250$702,000$848,500$1,054,500
BLADEN COUNTY$548,250$702,000$848,500$1,054,500
BRUNSWICK COUNTY$548,250$702,000$848,500$1,054,500
BUNCOMBE COUNTY$548,250$702,000$848,500$1,054,500
BURKE COUNTY$548,250$702,000$848,500$1,054,500
CABARRUS COUNTY$548,250$702,000$848,500$1,054,500
CALDWELL COUNTY$548,250$702,000$848,500$1,054,500
CAMDEN COUNTY$625,500$800,775$967,950$1,202,925
CARTERET COUNTY$548,250$702,000$848,500$1,054,500
CASWELL COUNTY$548,250$702,000$848,500$1,054,500
CATAWBA COUNTY$548,250$702,000$848,500$1,054,500
CHATHAM COUNTY$548,250$702,000$848,500$1,054,500
CHEROKEE COUNTY$548,250$702,000$848,500$1,054,500
CHOWAN COUNTY$548,250$702,000$848,500$1,054,500
CLAY COUNTY$548,250$702,000$848,500$1,054,500
CLEVELAND COUNTY$548,250$702,000$848,500$1,054,500
COLUMBUS COUNTY$548,250$702,000$848,500$1,054,500
CRAVEN COUNTY$548,250$702,000$848,500$1,054,500
CUMBERLAND COUNTY$548,250$702,000$848,500$1,054,500
CURRITUCK COUNTY$548,250$702,000$848,500$1,054,500
DARE COUNTY$548,250$702,000$848,500$1,054,500
DAVIDSON COUNTY$548,250$702,000$848,500$1,054,500
DAVIE COUNTY$548,250$702,000$848,500$1,054,500
DUPLIN COUNTY$548,250$702,000$848,500$1,054,500
DURHAM COUNTY$548,250$702,000$848,500$1,054,500
EDGECOMBE COUNTY$548,250$702,000$848,500$1,054,500
FORSYTH COUNTY$548,250$702,000$848,500$1,054,500
FRANKLIN COUNTY$548,250$702,000$848,500$1,054,500
GASTON COUNTY$548,250$702,000$848,500$1,054,500
GATES COUNTY$548,250$702,000$848,500$1,054,500
GRAHAM COUNTY$548,250$702,000$848,500$1,054,500
GRANVILLE COUNTY$548,250$702,000$848,500$1,054,500
GREENE COUNTY$548,250$702,000$848,500$1,054,500
GUILFORD COUNTY$548,250$702,000$848,500$1,054,500
HALIFAX COUNTY$548,250$702,000$848,500$1,054,500
HARNETT COUNTY$548,250$702,000$848,500$1,054,500
HAYWOOD COUNTY$548,250$702,000$848,500$1,054,500
HENDERSON COUNTY$548,250$702,000$848,500$1,054,500
HERTFORD COUNTY$548,250$702,000$848,500$1,054,500
HOKE COUNTY$548,250$702,000$848,500$1,054,500
HYDE COUNTY$548,250$702,000$848,500$1,054,500
IREDELL COUNTY$548,250$702,000$848,500$1,054,500
JACKSON COUNTY$548,250$702,000$848,500$1,054,500
JOHNSTON COUNTY$548,250$702,000$848,500$1,054,500
JONES COUNTY$548,250$702,000$848,500$1,054,500
LEE COUNTY$548,250$702,000$848,500$1,054,500
LENOIR COUNTY$548,250$702,000$848,500$1,054,500
LINCOLN COUNTY$548,250$702,000$848,500$1,054,500
MCDOWELL COUNTY$548,250$702,000$848,500$1,054,500
MACON COUNTY$548,250$702,000$848,500$1,054,500
MADISON COUNTY$548,250$702,000$848,500$1,054,500
MARTIN COUNTY$548,250$702,000$848,500$1,054,500
MECKLENBURG COUNTY$548,250$702,000$848,500$1,054,500
MITCHELL COUNTY$548,250$702,000$848,500$1,054,500
MONTGOMERY COUNTY$548,250$702,000$848,500$1,054,500
MOORE COUNTY$548,250$702,000$848,500$1,054,500
NASH COUNTY$548,250$702,000$848,500$1,054,500
NEW HANOVER COUNTY$548,250$702,000$848,500$1,054,500
NORTHAMPTON COUNTY$548,250$702,000$848,500$1,054,500
ONSLOW COUNTY$548,250$702,000$848,500$1,054,500
ORANGE COUNTY$548,250$702,000$848,500$1,054,500
PAMLICO COUNTY$548,250$702,000$848,500$1,054,500
PASQUOTANK COUNTY$625,500$800,775$967,950$1,202,925
PENDER COUNTY$548,250$702,000$848,500$1,054,500
PERQUIMANS COUNTY$625,500$800,775$967,950$1,202,925
PERSON COUNTY$548,250$702,000$848,500$1,054,500
PITT COUNTY$548,250$702,000$848,500$1,054,500
POLK COUNTY$548,250$702,000$848,500$1,054,500
RANDOLPH COUNTY$548,250$702,000$848,500$1,054,500
RICHMOND COUNTY$548,250$702,000$848,500$1,054,500
ROBESON COUNTY$548,250$702,000$848,500$1,054,500
ROCKINGHAM COUNTY$548,250$702,000$848,500$1,054,500
ROWAN COUNTY$548,250$702,000$848,500$1,054,500
RUTHERFORD COUNTY$548,250$702,000$848,500$1,054,500
SAMPSON COUNTY$548,250$702,000$848,500$1,054,500
SCOTLAND COUNTY$548,250$702,000$848,500$1,054,500
STANLY COUNTY$548,250$702,000$848,500$1,054,500
STOKES COUNTY$548,250$702,000$848,500$1,054,500
SURRY COUNTY$548,250$702,000$848,500$1,054,500
SWAIN COUNTY$548,250$702,000$848,500$1,054,500
TRANSYLVANIA COUNTY$548,250$702,000$848,500$1,054,500
TYRRELL COUNTY$548,250$702,000$848,500$1,054,500
UNION COUNTY$548,250$702,000$848,500$1,054,500
VANCE COUNTY$548,250$702,000$848,500$1,054,500
WAKE COUNTY$548,250$702,000$848,500$1,054,500
WARREN COUNTY$548,250$702,000$848,500$1,054,500
WASHINGTON COUNTY$548,250$702,000$848,500$1,054,500
WATAUGA COUNTY$548,250$702,000$848,500$1,054,500
WAYNE COUNTY$548,250$702,000$848,500$1,054,500
WILKES COUNTY$548,250$702,000$848,500$1,054,500
WILSON COUNTY$548,250$702,000$848,500$1,054,500
YADKIN COUNTY$548,250$702,000$848,500$1,054,500
YANCEY COUNTY$548,250$702,000$848,500$1,054,500