In 2026, the FHA loan limits for Chapel-Hill county in Orange, NC, are: $437,000 for a single-family home, $559,450 for two units, $676,200 for three units, and $840,400 for four units.
For conventional loans, the maximum amounts are $548,250 for a single-family home, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to explore today’s best FHA rates and determine the required downpayment, income, credit, reserves, and documents for qualification.
Use the Lendersa® calculator to compare FHA rates and terms with all other loan options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly gathers and evaluates comprehensive data from thousands of lenders, matched to your unique financial profile and needs.
The 2026 Loan Limits Comparison Table in Chapel-Hill, Orange, NC helps compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Check qualification needs like income, reserves, and credit using Lendersa® SLIQ™.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $437,000 | $559,450 | $676,200 | $840,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $349,600 | $349,600 | $349,600 | $349,600 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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