Current FHA Mortgage Rates in North Carolina : HSH.com's FHA/VA Showcase

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North Carolina Mortgages

2020 FHA Loan Limits for North Carolina

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2020 FHA Loan Limits for each county in North Carolina are below.

County NameOne FamilyTwo FamilyThree FamilyFour Family
AlamanceOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AlexanderOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AlleghanyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AnsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AsheOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AveryOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BeaufortOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BertieOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BladenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BrunswickOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BuncombeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BurkeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CabarrusOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CaldwellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CamdenOne Family$458,850Two Family$587,400Three Family$710,050Four Family$882,400
CarteretOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CaswellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CatawbaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ChathamOne Family$414,000Two Family$530,000Three Family$640,650Four Family$796,150
CherokeeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ChowanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ClayOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ClevelandOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ColumbusOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CravenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CumberlandOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CurrituckOne Family$458,850Two Family$587,400Three Family$710,050Four Family$882,400
DareOne Family$391,000Two Family$500,550Three Family$605,050Four Family$751,900
DavidsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
DavieOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
DuplinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
DurhamOne Family$414,000Two Family$530,000Three Family$640,650Four Family$796,150
EdgecombeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ForsythOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FranklinOne Family$353,050Two Family$451,950Three Family$546,300Four Family$678,950
GastonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GatesOne Family$458,850Two Family$587,400Three Family$710,050Four Family$882,400
GrahamOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GranvilleOne Family$414,000Two Family$530,000Three Family$640,650Four Family$796,150
GreeneOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GuilfordOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HalifaxOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HarnettOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HaywoodOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HendersonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HertfordOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HokeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HydeOne Family$483,000Two Family$618,300Three Family$747,400Four Family$928,850
IredellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
JacksonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
JohnstonOne Family$353,050Two Family$451,950Three Family$546,300Four Family$678,950
JonesOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LeeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LenoirOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LincolnOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MaconOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MadisonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MartinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
McdowellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MecklenburgOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MitchellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MontgomeryOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MooreOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
NashOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
New HanoverOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
NorthamptonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OnslowOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OrangeOne Family$414,000Two Family$530,000Three Family$640,650Four Family$796,150
PamlicoOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PasquotankOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
PenderOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PerquimansOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
PersonOne Family$414,000Two Family$530,000Three Family$640,650Four Family$796,150
PittOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PolkOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RandolphOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RichmondOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RobesonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RockinghamOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RowanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RutherfordOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SampsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ScotlandOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
StanlyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
StokesOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SurryOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SwainOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
TransylvaniaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
TyrrellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
UnionOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
VanceOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WakeOne Family$353,050Two Family$451,950Three Family$546,300Four Family$678,950
WarrenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WashingtonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WataugaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WayneOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WilkesOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WilsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
YadkinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
YanceyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
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