During the year 2026, the FHA loan limit in Franklin county, situated in Macon, NC, stands at $472,030 for a single-family house, $604,400 for two-unit properties, $730,525 for three units, and $907,900 for four-unit buildings.
For conventional loans, the maximum allowed loan for a single-family home is $726,200, rising to $929,850 for two-unit homes, $1,123,900 for three-unit residences, and $1,396,800 for four-unit dwellings.
Try our FHA calculator to discover the optimal FHA rates available today and evaluate the necessary downpayment, income, credit score, reserve requirements, and documentation for eligibility.
The Lendersa® tool allows you to contrast FHA rates and terms with those of other loan products, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
With Lendersa®, you receive loan program data drawn from thousands of lenders, tailored and matched to your financial situation and needs within moments.
Check out the Loan Limits Comparison Table for 2026 in Franklin county, Macon, NC, which lets you compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth look at qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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