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

2021 FHA Loan Limits in NORTH CAROLINA tell homebuyers how much borrowing power they have to build a home in their state, city, and county. VA Limits are set by the lenders.

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2021 FHA Loan Limits and VA Lender Limits

Limits for Single Family Home Loans in NORTH CAROLINA Counties

The FHA has a maximum 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.

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 2021, the FHA floor was set at $356,362 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties."

100 match(es) found

ALAMANCE County
BURLINGTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ALEXANDER County
HICKORY-LENOIR-MORGANTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ALLEGHANY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ANSON County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ASHE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
AVERY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BEAUFORT County
WASHINGTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BERTIE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BLADEN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BRUNSWICK County
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BUNCOMBE County
ASHEVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BURKE County
HICKORY-LENOIR-MORGANTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CABARRUS County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CALDWELL County
HICKORY-LENOIR-MORGANTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CAMDEN County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
CARTERET County
MOREHEAD CITY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CASWELL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CATAWBA County
HICKORY-LENOIR-MORGANTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHATHAM County
DURHAM-CHAPEL HILL, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
CHEROKEE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHOWAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CLAY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CLEVELAND County
SHELBY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
COLUMBUS County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CRAVEN County
NEW BERN, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CUMBERLAND County
FAYETTEVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CURRITUCK County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
DARE County
KILL DEVIL HILLS, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $396,750
DAVIDSON County
WINSTON-SALEM, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DAVIE County
WINSTON-SALEM, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DUPLIN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DURHAM County
DURHAM-CHAPEL HILL, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
EDGECOMBE County
ROCKY MOUNT, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FORSYTH County
WINSTON-SALEM, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FRANKLIN County
RALEIGH-CARY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $371,450
GASTON County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GATES County
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC
VA Lender Limit FHA Loan Limit
$1,000,000 $458,850
GRAHAM County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GRANVILLE County
DURHAM-CHAPEL HILL, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
GREENE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GUILFORD County
GREENSBORO-HIGH POINT, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HALIFAX County
ROANOKE RAPIDS, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HARNETT County
FAYETTEVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HAYWOOD County
ASHEVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HENDERSON County
ASHEVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HERTFORD County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HOKE County
FAYETTEVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HYDE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $483,000
IREDELL County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
JACKSON County
CULLOWHEE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
JOHNSTON County
RALEIGH-CARY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $371,450
JONES County
NEW BERN, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LEE County
SANFORD, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LENOIR County
KINSTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LINCOLN County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MACON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MADISON County
ASHEVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MARTIN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MCDOWELL County
MARION, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MECKLENBURG County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MITCHELL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MONTGOMERY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MOORE County
PINEHURST-SOUTHERN PINES, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NASH County
ROCKY MOUNT, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NEW HANOVER County
WILMINGTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NORTHAMPTON County
ROANOKE RAPIDS, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ONSLOW County
JACKSONVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ORANGE County
DURHAM-CHAPEL HILL, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
PAMLICO County
NEW BERN, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PASQUOTANK County
ELIZABETH CITY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $805,000
PENDER County
WILMINGTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PERQUIMANS County
ELIZABETH CITY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $805,000
PERSON County
DURHAM-CHAPEL HILL, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $437,000
PITT County
GREENVILLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
POLK County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RANDOLPH County
GREENSBORO-HIGH POINT, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RICHMOND County
ROCKINGHAM, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROBESON County
LUMBERTON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROCKINGHAM County
GREENSBORO-HIGH POINT, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROWAN County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RUTHERFORD County
FOREST CITY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SAMPSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SCOTLAND County
LAURINBURG, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
STANLY County
ALBEMARLE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
STOKES County
WINSTON-SALEM, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SURRY County
MOUNT AIRY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SWAIN County
CULLOWHEE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TRANSYLVANIA County
BREVARD, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TYRRELL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
UNION County
CHARLOTTE-CONCORD-GASTONIA, NC-SC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
VANCE County
HENDERSON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WAKE County
RALEIGH-CARY, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $371,450
WARREN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WASHINGTON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WATAUGA County
BOONE, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WAYNE County
GOLDSBORO, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WILKES County
NORTH WILKESBORO, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WILSON County
WILSON, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
YADKIN County
WINSTON-SALEM, NC
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
YANCEY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362

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