During 2026, the FHA loan limit for a single-family home in Fuquay-Varina county, Wake, NC, is $502,550. For properties with two units, the limit is $643,350; for three units, it is $777,650; and for four-unit properties, the limit is $966,450.
The conventional loan cap is $726,200 for a single-family residence, increasing to $929,850 for those with two units, $1,123,900 for three-unit buildings, and $1,396,800 for homes with four units.
Leverage our FHA calculator to explore today’s leading FHA rates and assess downpayments, income requirements, credit standings, reserves, and needed documentation for qualification.
The Lendersa® calculator provides a platform to compare FHA rates and terms against other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® harnesses data from thousands of lenders to offer fast comparisons tailored to your unique financial situation.
For 2026, the Loan Limits Comparison Table in Fuquay-Varina county, Wake, NC, allows you to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand the qualification requirements like income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $502,550 | $643,350 | $777,650 | $966,450 |
| 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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