In 2026, for the county of Catawba, Hickory, NC, FHA loan limits are set at $472,030 for single-family homes, $604,400 for two-unit residences, $730,525 for three-unit structures, and $907,900 for four-unit buildings.
For conventional loans, the maximum amount available for a single-family home is $726,200. This increases to $929,850 for two-units, $1,123,900 for three-units, and $1,396,800 for four-units.
Utilize our FHA calculator to find today’s optimal FHA rates and determine the necessary downpayment, income, credit rating, reserves, and documentation for qualification.
The Lendersa® calculator facilitates comparisons between FHA rates and terms and those of all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® acquires comprehensive loan data from thousands of lenders, which is rapidly assessed against your unique financial profile.
The 2026 Loan Limits Comparison Table for Hickory, within the county of Catawba, NC, allows for comparisons of maximum amounts across 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 contrast requirements in 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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