In 2026, the maximum limit for a conventional loan in James-City, Craven county, NC, is $647,200. In comparison, the FHA limit for a single-family home is $420,680.
Utilize the Lendersa® Conventional loan calculator to assess top rates available today for Conventional, FHA, and USDA loans. Find out the requirements in terms of income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator gives a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, helping you determine which program in NC is best suited to your financial needs.
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| Loan Type | Loan Limit | Down Payment | |
| Conventional Conforming | $647,200 | 3% | |
| USDA | $285,000 | 0% | |
| FHA | $420,680 | 3.5% |
This table applies to these zip codes: 28560, 28562, 28564
The goal of Lendersa® is to help you obtain the best possible Conventional, USDA, or FHA loan without delay. Start with one of the three paths to connect with lenders and loan programs tailored for you.
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