One-Time Close Loans | FHA and VA Construction Loans
Learn all about the VA and FHA versions of the One-Time Close Loan.

2023 FHA Construction Loan Limits in NORTH CAROLINA tell homebuyers how much borrowing power they have to build a home. VA Limits are set by the lenders.

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VA Loan - One-Time Close Construction Loan
FHA Loan - One-Time Close Construction Loan

2023 VA and FHA Construction Loan Limits

Borrow for Single Family Home Loans in NORTH CAROLINA Counties

The FHA has a maximum construction loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

Construction loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.

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"For 2023, the FHA floor was set at $472,030 for single-family home loans. This lending limit covers most U.S. counties."

100 match(es) found

ALAMANCE County
BURLINGTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ALEXANDER County
HICKORY-LENOIR-MORGANTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ALLEGHANY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ANSON County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ASHE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
AVERY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BEAUFORT County
WASHINGTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BERTIE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BLADEN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BRUNSWICK County
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BUNCOMBE County
ASHEVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
BURKE County
HICKORY-LENOIR-MORGANTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CABARRUS County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CALDWELL County
HICKORY-LENOIR-MORGANTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CAMDEN County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
CARTERET County
MOREHEAD CITY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CASWELL County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CATAWBA County
HICKORY-LENOIR-MORGANTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CHATHAM County
DURHAM-CHAPEL HILL, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $602,600
CHEROKEE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CHOWAN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CLAY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CLEVELAND County
SHELBY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
COLUMBUS County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CRAVEN County
NEW BERN, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CUMBERLAND County
FAYETTEVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
CURRITUCK County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
DARE County
KILL DEVIL HILLS, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $603,750
DAVIDSON County
WINSTON-SALEM, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DAVIE County
WINSTON-SALEM, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DUPLIN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
DURHAM County
DURHAM-CHAPEL HILL, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $602,600
EDGECOMBE County
ROCKY MOUNT, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FORSYTH County
WINSTON-SALEM, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
FRANKLIN County
RALEIGH-CARY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $502,550
GASTON County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GATES County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $507,150
GRAHAM County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GRANVILLE County
DURHAM-CHAPEL HILL, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $602,600
GREENE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
GUILFORD County
GREENSBORO-HIGH POINT, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HALIFAX County
ROANOKE RAPIDS, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HARNETT County
FAYETTEVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HAYWOOD County
ASHEVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HENDERSON County
ASHEVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HERTFORD County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HOKE County
FAYETTEVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
HYDE County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $483,000
IREDELL County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
JACKSON County
CULLOWHEE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
JOHNSTON County
RALEIGH-CARY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $502,550
JONES County
NEW BERN, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LEE County
SANFORD, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LENOIR County
KINSTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
LINCOLN County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MACON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MADISON County
ASHEVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MARTIN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MCDOWELL County
MARION, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MECKLENBURG County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MITCHELL County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MONTGOMERY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
MOORE County
PINEHURST-SOUTHERN PINES, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
NASH County
ROCKY MOUNT, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
NEW HANOVER County
WILMINGTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
NORTHAMPTON County
ROANOKE RAPIDS, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ONSLOW County
JACKSONVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ORANGE County
DURHAM-CHAPEL HILL, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $602,600
PAMLICO County
NEW BERN, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PASQUOTANK County
ELIZABETH CITY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $805,000
PENDER County
WILMINGTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
PERQUIMANS County
ELIZABETH CITY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $805,000
PERSON County
DURHAM-CHAPEL HILL, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $602,600
PITT County
GREENVILLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
POLK County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RANDOLPH County
GREENSBORO-HIGH POINT, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RICHMOND County
ROCKINGHAM, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ROBESON County
LUMBERTON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ROCKINGHAM County
GREENSBORO-HIGH POINT, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
ROWAN County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
RUTHERFORD County
FOREST CITY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SAMPSON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SCOTLAND County
LAURINBURG, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
STANLY County
ALBEMARLE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
STOKES County
WINSTON-SALEM, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SURRY County
MOUNT AIRY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
SWAIN County
CULLOWHEE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
TRANSYLVANIA County
BREVARD, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
TYRRELL County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
UNION County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
VANCE County
HENDERSON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WAKE County
RALEIGH-CARY, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $502,550
WARREN County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WASHINGTON County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WATAUGA County
BOONE, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WAYNE County
GOLDSBORO, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WILKES County
NORTH WILKESBORO, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
WILSON County
WILSON, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
YADKIN County
WINSTON-SALEM, NC
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030
YANCEY County
NON-METRO
VA Construction Loan Limit FHA Construction Loan Limit
$1,500,000 $472,030

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