For 2026, the FHA loan limit in Holly-Springs county of Wake, NC, is set at $371,450 for a single-family home. The limit is $475,500 for two-unit dwellings, $574,800 for three-unit properties, and $714,350 for properties with four units.
Conventional loans have a maximum limit of $548,250 for a single-family home. It increases to $702,000 for two units, $848,500 for three units, and $1,054,500 for a four-unit residence.
Our FHA calculator will show you today’s best FHA rates and help determine the necessary down payment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Explore all these options with FHA.
Gathering data from thousands of lenders, Lendersa® delivers quick comparisons tailored to your unique financial profile.
The 2026 Loan Limits Comparison Table for Holly-Springs county of Wake, NC, lets you see and compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualifications involving income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $371,450 | $475,500 | $574,800 | $714,350 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $297,100 | $297,100 | $297,100 | $297,100 |
| 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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