FHA VS Conventional loan in Apex, Wake County, North Carolina

In 2026, the conventional loan cap in Apex, which is part of Wake, NC, is $726,200. Meanwhile, the FHA limit for a single-family home is $502,550.

Utilize the Lendersa® Conventional loan calculator to examine today's top rates for Conventional, FHA, and USDA loans. Calculate the necessary income, credit score, reserves, and documents required to qualify. By using our advanced mortgage calculator, you can compare Conforming Conventional, USDA, FHA, and VA loans side by side, assisting in determining which program is most appropriate for your financial requirements in NC.

Review loan offers from a wide selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in Apex, Wake, NC

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $502,550 3.5%

This table applies to the following zip codes: 27502

Conventional and FHA Loan Options in Apex, NC

The goal of Lendersa® is to swiftly secure the ideal Conventional, USDA, or FHA loan without hassle. Choose from three starting paths that help you connect with the right lenders and loan programs.

Outcomes for Lendersa USDA loan requests and matches


Apex Lenders

  • GoPrime Mortgage
  • 320 N. Salem, Suite 300, Apex, NC, 27502
  • Lends in North Carolina
  • Our mission since opening in 2005 has always been to connect our customers with the optimal home loan and help create a smooth path to homeownership. We deliver those loans everyday with a personalized experience that meets the unique needs of each borrower and their financial goals.

  • Carolina Equity Services Inc
  • 1111 Pemberton Hill Road, Suite 101, Apex, NC, 27502
  • Lends in North Carolina
  • We have a team of mortgage experts who are ready to help you navigate this important financial commitment. We have closed over 28, 000 mortgage loans for North Carolina homeowners and Lowest rates & closing costs in the Triangle and throughout NC. Jodie Disbro Mortgage Broker with a demonstrated history of working in the real estate industry.

  • GoPrime
  • 320 N. Salem, Suite 300, Apex, NC, 27502
  • Lends in North Carolina
  • GoPrime Mortgage, Inc. is an award-winning, veteran-owned and operated mortgage company with a simple goal: to provide our clients with a path to homeownership and make a positive impact in our community. We make sure the path to homeownership is guided by someone who knows the way

  • Wolff Financial Inc
  • 2508 Reliance Avenue, Apex, NC, 27539
  • Lends in North Carolina
  • We work with you to find the right program & secure low market rates to make sure you are paying the lowest payment each month. We keep you informed and return all emails & calls promptly so that you never have to wonder what is going on with your loan. We work closely with you through the process to meet all deadlines.

  • Blue Sky Mortgage Services of Nc
  • 330 Raleigh Street, Unit 2, Holly Springs, NC, 27540
  • Lends in North Carolina
  • Blue Sky Mortgage Services of N.C, Inc. is a purposely small mortgage broker company dedicated to providing personalized service for each and every one of our clients.

    Our company is a full service broker providing a wide variety of loan products from a large base of wholesale lenders.

  • Sunset Lake Mortgage Inc.
  • 1100 Holly Springs Road, Suite 203, Holly Springs, NC, 27540
  • Lends in North Carolina
  • Sunset Lake Mortgage is a mortgage broker serving the Raleigh-Durham area and entire state of North Carolina with a small boutique type service experience. Steve’s success has resulted from a combination of his customer service excellence and consistently offering mortgage solutions that save his client’s money due to low margins and overhead.

  • Carolina's Mortgage Source, Inc.
  • 2500 Regency Pkwy, Cary, NC, 27518
  • Lends in North Carolina
  • At Carolina's Mortgage Source, Inc. we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.

    We work with multiple lenders and we can provide our clients with extremely competitive pricing.

  • Right By You Mortgage
  • 130 Edinburgh South Drive, Suite 100, Cary, NC, 27511
  • Lends in North Carolina
  • Right By You Mortgage by Fidelity Bank is a full service mortgage lender with 56 convenient mortgage loan offices in North Carolina and Virginia. We take pride in our personalized service, competitive products, & easy process.

    Whether you’re shopping for your very first home or your fourth, refinancing, or starting construction of your dream h

  • G & M Services Unlimited
  • 206 New Edition Court, Cary, NC, 27511
  • Lends in North Carolina
  • G&M Services Unlimited, Inc., which was founded in 2002, with what began as our Managing Partner’s desire to assist a local church, utilizing his background in finance. It has since grown to more than a decade of originating commercial loans, including all areas of commercial lending.