North Carolina Conventional Loan Limits in 2024
Explore the 2024 Conventional Loan Limits in North Carolina, covering different property types and counties. Find out the maximum loan amounts for one-unit, two-unit, three-unit, and four-unit properties, helping understand financing options in North Carolina for the year 2024.
| County name | One-Unit | Two-Unit | Three-Unit | Four-Unit |
|---|---|---|---|---|
| Alamance County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Alexander County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Alleghany County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Anson County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Ashe County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Avery County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Beaufort County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Bertie County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Bladen County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Brunswick County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Buncombe County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Burke County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Cabarrus County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Caldwell County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Camden County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Carteret County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Caswell County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Catawba County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Chatham County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Cherokee County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Chowan County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Clay County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Cleveland County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Columbus County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Craven County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Cumberland County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Currituck County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Dare County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Davidson County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Davie County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Duplin County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Durham County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Edgecombe County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Forsyth County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Franklin County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Gaston County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Gates County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Graham County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Granville County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Greene County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Guilford County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Halifax County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Harnett County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Haywood County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Henderson County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Hertford County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Hoke County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Hyde County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Iredell County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Jackson County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Johnston County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Jones County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Lee County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Lenoir County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Lincoln County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Mcdowell County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Macon County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Madison County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Martin County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Mecklenburg County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Mitchell County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Montgomery County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Moore County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Nash County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| New Hanover County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Northampton County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Onslow County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Orange County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Pamlico County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Pasquotank County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Pender County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Perquimans County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Person County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Pitt County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Polk County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Randolph County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Richmond County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Robeson County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Rockingham County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Rowan County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Rutherford County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Sampson County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Scotland County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Stanly County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Stokes County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Surry County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Swain County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Transylvania County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Tyrrell County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Union County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Vance County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Wake County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Warren County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Washington County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Watauga County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Wayne County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Wilkes County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Wilson County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Yadkin County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Yancey County | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
Summary of North Carolina Conventional Loan Limits in 2024
North Carolina Conventional Loan Limits for 2024 have been established to determine the maximum loan amounts that lenders can offer while still conforming to guidelines set by Fannie Mae and Freddie Mac. These limits vary depending on the type of property and the number of units it contains.
Here are the minimum and maximum loan limits for each unit type:
- One-Unit Limit: $766,550 - $766,550
- Two-Unit Limit: $981,500 - $981,500
- Three-Unit Limit: $1,186,350 - $1,186,350
- Four-Unit Limit: $1,474,400 - $1,474,400
Notes:
- One-Unit is a single family home or condominium
- Two-Unit is two separate living units (duplex)
- Three-Unit three separate living units (triplex)
- Four-Unit four separate living units (fourplex)