In the year 2026, the FHA loan limits for Clayton county, located in Johnston, NC, stand at $502,550 for a single-family home, $643,350 for 2-unit properties, $777,650 for 3-unit structures, and $966,450 for 4-unit residences.
For conventional loans, the maximum lending amounts reach $726,200 for single-family homes, $929,850 for two-unit homes, $1,123,900 for three units, and $1,396,800 for four units.
Employ our FHA calculator to uncover today’s prime FHA rates and calculate essential requirements including downpayment, income, credit score, reserves, and documentation needed to qualify.
The Lendersa® calculator offers the capability to compare FHA rates & terms alongside all other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers comprehensive loan data from thousands of lenders, quickly aligning it with your unique financial profile and needs.
The 2026 Loan Limits Comparison Table in Clayton within Johnston, NC, allows you to review maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification needs such as income, reserves, and credit.
| 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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