For 2026, the conventional loan limit in Raleigh, positioned in Wake, NC, amounts to $726,200. The FHA limit for a single-family home is $502,550.
Employ the Lendersa® Conventional loan calculator to compare today's prime rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation required for qualification. Our sophisticated mortgage calculator offers side-by-side analyses of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the program that fits your financial situation best in NC.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $502,550 | 3.5% |
This table applies to zip codes: 27617, 27616, 27615, 27614, 27613, 27612, 27610, 27608, 27609, 27601, 27603, 27604, 27605, 27606, 27607, 27602, 27619, 27620, 27621, 27622, 27624, 27626, 27627, 27628, 27634, 27636, 27640, 27650, 27656, 27658, 27661, 27668, 27675, 27676, 27690, 27697, 27698
Lendersa® aims to quickly connect you with the best possible Conventional, USDA, or FHA loan without hassle. Choose from three starting points that guide you to matching lenders and loan programs.
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