In the year 2026, the FHA loan limits for East-Rockingham county of Richmond, NC, are as follows: single-family homes have a limit of $356,362, for two-unit residences the limit is $456,275, for three-unit dwellings it is $551,500, and for properties with four units, the cap is $685,400.
Conventional loan ceilings are set at $548,250 for single-family homes, $702,000 for homes with two units, $848,500 for three-unit properties, and $1,054,500 for four-unit buildings.
Use our FHA calculator to find today’s leading FHA rates and assess the crucial elements for qualification, which include downpayment, required income levels, credit score, reserve amounts, and documentation.
The Lendersa® calculator offers a way to compare FHA rates and terms with those from various other loan programs. Look into and evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, as well as FHA.
Lendersa® sources comprehensive loan data from thousands of lenders, performing quick comparisons specific to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in East-Rockingham county of Richmond, NC, provides a detailed look at the 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 evaluate qualification needs, which include income, reserves, and credit criteria.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| 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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