In the current year, 2026, the FHA loan limits for Cramerton county in Gaston, NC, stand at $472,030 for single-family homes. For properties with two units, the limit reaches $604,400, while for three units, it is set at $730,525. Finally, for homes with four units, the maximum FHA loan limit is $907,900.
When it comes to conventional loans, the maximum loanable amount for a single-family residence is $726,200. For two-unit properties, this cap is $929,850. For those with three units, it's $1,123,900, and for four-unit homes, the limit extends to $1,396,800.
To discover the best rates available today for FHA loans, utilize our FHA calculator. This tool will help you understand the necessary down payment, required income, credit expectations, needed reserves, and relevant documentation to qualify.
The Lendersa® calculator is a powerful tool that lets you contrast FHA rates and terms with those of other loan programs. Dive into comparisons of FHA with Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans.
Lendersa® quickly gathers loan program data from a wide range of lenders, enabling rapid comparisons tailored to your unique financial profile and needs, all within moments.
For 2026, in Gaston, Cramerton, NC, explore the Loan Limits Comparison Table. This table allows you to compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Additionally, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements like income, reserves, and credit criteria.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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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