In 2026, the FHA loan limit applicable to Durham county of Durham, NC is $602,600 for a single-family home, $771,450 for properties with 2 units, $932,500 for 3-unit buildings, and $1,158,850 for homes with 4 units.
For conventional loans, maximum permitted amounts are set at $726,200 for single-family residences, progressing to $929,850 for 2-unit properties, $1,123,900 for three-unit constructions, and $1,396,800 for four-unit homes.
To access today’s top FHA rates, our FHA calculator is a valuable resource, offering insights into the necessary downpayment, income, credit standing, reserves, and qualification documentation required.
The Lendersa® calculator is built to enable comparisons between FHA rates & terms and those of a multitude of other loan programs. Delve into the specifics of Conventional loans, Jumbo options, VA, USDA, Non-QM products, and hard money loans, all in juxtaposition with FHA offerings.
Lendersa® efficiently aggregates loan program data from a vast array of lenders, rapidly analyzing it against your personal financial profile and unique needs.
The Loan Limits Comparison Table for 2026 in Durham county within Durham, NC serves as a detailed resource to evaluate maximum loan amounts of 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 thoroughly compare qualification needs such as income, reserves, and credit scores.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $602,600 | $771,450 | $932,500 | $1,158,850 |
| 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 | $404,800 | $404,800 | $404,800 | $404,800 |
| 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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