In the year 2026, the limits for FHA loans in the county of Surry, including Elkin, in NC, are $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three units, and $907,900 for four-unit properties.
The standard loan limits for conventional loans are $726,200 for single-family homes, $929,850 for two-unit residences, $1,123,900 for three units, and $1,396,800 for four-unit houses.
Leverage our FHA calculator to find the most competitive FHA rates available today and determine downpayment, income, credit requirements, reserves, and documents necessary for qualification.
The Lendersa® calculator is a useful tool for comparing the rates and terms of FHA loans with all other loan programs. Evaluate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA choices.
Lendersa® efficiently gathers loan program data from a multitude of lenders and rapidly compares it to fit your distinctive financial scenario and requirements.
Examine the Loan Limits Comparison Table for 2026 in Elkin county of Surry, NC to compare the highest loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification necessities like income, reserves, and credit.
| 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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