FHA VS Conventional loan programs in 2026 for King, Stokes County, North Carolina

For 2026, the Conventional loan limit in King, within Stokes county, NC, is $726,200, whereas the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® Conventional loan calculator to evaluate today’s best rates among Conventional, FHA, and USDA loans. Identify needed income, credit credentials, reserves, and documents to qualify. With our sophisticated mortgage calculator, compare Conforming Conventional loans next to USDA, FHA, and VA options, helping you select the most fitting program for your financial needs in NC.

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2026 Loan Boundaries and Down Payment Requirements in King, Stokes County, NC

Loan Category Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to zip codes: 27021

Conventional and FHA Loan Options in King, NC

The aim of Lendersa® is to swiftly connect you with the optimal Conventional, USDA, or FHA loan minus any hassle. Start with any of the three options to be paired with suitable lenders and loan schemes.

View USDA loan request results at Lendersa


King Lenders

  • Innovative Closing Solutions
  • 351 N Peace Haven Rd., Winston Salem, NC, 27104
  • Lends in North Carolina
  • At ICS, we assess each transaction based on its own needs so that we can provide you with the right services for the situation. We are experienced with and equipped to handle contracts for deeds, private loans, lease purchases, lease options, purchase agreements, refinance closings, seller financing, assignments,

  • Winston-Salem Federal Credit Union
  • 711 East Salem Avenue, Winston Salem, NC, 27101
  • Lends in North Carolina
  • The Winston-Salem Federal Credit Union was incorporated in October, 1957. The Credit Union ended that year with 94 members and $2, 980 in assets. Today we are a full service credit union serving thousands of members with millions of dollars in assets.

    To be the members' primary financial institution by providing reliable,

  • Truliant Federal Credit Union
  • 893 North Liberty Street, Suite A, Winston Salem, NC, 27101
  • Lends in North Carolina
  • Truliant Federal Credit Union was chartered in 1952 to serve the employees of Western Electric and was known as Radio Shops Credit Union. It began serving about 2, 000 members and offered credit union services in Winston-Salem, Greensboro and Burlington. Today, Truliant serves over 280, 000 members with more than 30 locations.

  • NorthSide Mortgage Group, LLC
  • 176 N Renfro Street, Mount Airy, NC, 27030
  • Lends in North Carolina
  • NorthSide Group was formed in 2008 by the merger of two local financial firms owned and operated by Carmen and Stan Smith. Whether you are buying a home or refinancing, anywhere in Mount Airy, NC. We are committed to helping you realize and achieve your dream of homeownership, save on your current payment or get the most equity out of your home.

  • Piedmont Advantage Credit Union
  • 3530 Advantage Way, Winston Salem, NC, 27103
  • Lends in North Carolina
  • Piedmont Advantage is a member owned financial cooperative that provides quality financial products and caring solutions. At Piedmont Advantage, members always come first.

    This credit union is federally insured by the NCUA.

    Non-deposit investment products and services are offered through CUSO Financial Services

  • Allegacy Federal Credit Union
  • 1691 Westbrook Plaza Blvd., Winston Salem, NC, 27103
  • Lends in North Carolina
  • At Allegacy Federal Credit Union, we believe the answer is in the balance. It’s being wise in the choices you make. It’s pursuing wellness on every level. It’s working actively toward your goals, powered by the belief that you can get there. With humble roots in Winston-Salem and as one of the top performing credit unions in North Carolina

  • Bank of Oak Ridge
  • 8050 Fogleman Rd, Oak Ridge, NC, 27310
  • Lends in North Carolina
  • Established in 2000, Bank of Oak Ridge is a community bank dedicated to delivering Spectacularly Local banking. With Triad locations in Oak Ridge, Greensboro, High Point and Summerfield, North Carolina, we focus on providing personalized, convenient banking services close to home and work

  • Summit Credit Union
  • 8210 West Market Street, Greensboro, NC, 27409
  • Lends in North Carolina
  • Summit Credit Union is a not-for-profit cooperative serving members since 1935. Summit is a full service financial institution offering products from traditional savings and checking accounts, to lending, financial advising, property, life, casualty insurance, and more. We have eight branches conveniently located throughout North Carolina.

  • IMG Mortgage Greensboro
  • 5574 Garden Village Way, Suite B-3, Greensboro, NC, 27410
  • Lends in North Carolina
  • Integrity Mortgage Group offers wide range of lending programs, including first time home buyer/FHA loans as well as loans for well-established customers thinking about second homes, vacation homes, investment properties, rental units, and "fixer-uppers." We also have a variety of money-saving refinancing options.