In 2025, the FHA loan limits for Cary county in Wake, NC are: $502,550 for a single-family home, $643,350 for two units, $777,650 for three units, and $966,450 for four units.
Conventional loan maximums are $726,200 for single-family homes, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to check today’s best FHA rates, along with downpayment, income, credit, reserves, and the documents required to qualify.
The Lendersa® calculator lets you assess FHA rates and terms alongside all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By obtaining data from thousands of lenders, Lendersa® instantly compares it against your specific financial profile.
For 2025 in Cary, Wake, NC, the Loan Limits Comparison Table considers the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualifications like income, reserves, and credit, use the Lendersa® SLIQ™.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $502,550 | $643,350 | $777,650 | $966,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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