FHA vs Conventional Loan Programs in Winston-Salem, Forsyth County, North Carolina
In 2026, the limit for conventional loans in Winston-Salem, located in Forsyth, NC, stands at $726,200, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to explore the most competitive rates available today among Conventional, FHA, and USDA loans. Determine the necessary income, credit scores, reserves, and documentation for qualification. Our advanced mortgage tool shows Conforming Conventional, USDA, FHA, and VA loans side by side for you to select the best program that suits your financial needs in NC.
2026 Loan Limits and Down Payment Requirements in Winston-Salem, Forsyth, NC
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table is applicable to zip codes: 27110
Options for Conventional and FHA Loans in Winston-Salem, NC
Lendersa® strives to secure the best possible Conventional, USDA, or FHA loan quickly and efficiently, without hassle. Select one of three starting points to align with matching lenders and appropriate loan programs.
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,
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.
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,
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
3500 Vest Mill Road, Suite 1, Winston-Salem, NC, 27103
Lends in North Carolina
Jill Burgess (NMLS #100425) has personally funded over 2 billion dollars in mortgage loans over her career spanning 30 years. She has earned the respect of her peers and her clients. She has been described time and time again be her clients and colleagues as Professional, Personal, Passionate.
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
211 West Lexington Avenue, Suite 101, High Point, NC, 27262
Lends in North Carolina
Tideline Financial Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of North Carolina. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers
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 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.
