FHA VS Conventional loan programs in Smithfield, Johnston County, North Carolina
For 2026, the conventional loan limit in Smithfield, located in Johnston, NC, is $726,200. Meanwhile, the FHA limit for a single-family home is $502,550.
Use the Lendersa® Conventional loan calculator to assess today's optimal rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the program that best fits your financial needs in NC.
2026 Loan Limits and Down Payment Requirements in Smithfield, Johnston, NC
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$502,550
3.5%
Applicable to zip codes: 27577
Exploring Conventional and FHA Loan Options in Smithfield, NC
Lendersa® aims to swiftly connect you with the best possible Conventional, USDA, or FHA loan without hassle. Choose one of three starting pathways that lead to matching lenders and loan options.
KS Bank has served the Triangle East region of North Carolina. KS Bank, a state-chartered savings bank, is a community-oriented financial institution offering a broad array of competitive and pro-growth financial services to businesses, professionals, individuals, and families. KS Bank offers retail and commercial lending and deposit services, mort
We know that each customer has specific needs, so we strive to meet those needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our team of professionals has over 100 years of lending experience with some of the biggest banks in the country.
First Carolina People’s Credit Union was formed in 1950 and chartered in 1952 under the name of Goldsboro Postal Credit Union to provide postal employees and their families with high quality services, to promote the wise use of their financial resources and complement their diverse lifestyles. Membership is a family affair.
Carolina Home Loans was founded in 1998 to provide an alternate to the “Big Bank” experience. You will work directly with the company’s founder & owner, Eric McDonald. Eric began his mortgage lending career in 1993 with one of the country’s largest bank. He knew there was a better way and created Carolina Home Loans.
First Federal Bank headquartered in Dunn, North Carolina is a community bank with 6 locations in eastern North Carolina. First Federal provides corporations, businesses and consumers with a full range of innovative banking and financial solutions. Our services and products include commercial.
323 West Jones Street, Suite 600, Raleigh, NC, 27603
Lends in North Carolina
Local Government Federal Credit Union (LGFCU) is a not-for-profit, member-owned financial cooperative established to serve the financial needs of local government employees, elected and appointed officials, volunteers and their families. Our full range of financial services are created specifically to improve the lives of our members.
2609 Atlantic Avenue, Suite 201, Raleigh, NC, 27604
Lends in North Carolina
AccessOne Mortgage Company is a mortgage broker with operations in one state. AccessOne Mortgage Company offers numerous mortgage programs including conventional and jumbo mortgages and We can guide you to the right loan amount and best program for your needs. Based on standard lender guidelines, we'll get you a good idea of what kind of terms.
NC Community Credit Union has provided quality financial services to help members achieve their financial goals. Your Community Credit Union is committed to serving individuals, businesses, and other organizations who live, work, worship, or attend school in Wayne County. As a credit union member, you’re also the owner!
A not-for-profit financial cooperative owned by its members, State Employees' Credit Union (SECU) has been providing employees of the state of North Carolina and their families with consumer financial services for 84 years. The Credit Union also offers a diversified line of financial advisory services including retirement and education planning.
