In 2026, the FHA loan limits in the county of Cabarrus, NC, for Kannapolis are: $472,030 for a single-family home, $604,400 for 2-unit properties, $730,525 for 3-unit properties, and $907,900 for 4-unit properties.
Conventional loan limits are set at $726,200 for a single-family home, with $929,850 for 2-unit, $1,123,900 for 3-unit, and $1,396,800 for 4-unit residences.
Use our FHA calculator to check today’s best FHA rates and find out the required downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with all other loan programs. Discover and compare options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® aggregates loan data from thousands of lenders, rapidly comparing it against your specific financial profile and needs.
For 2026 in Kannapolis, within Cabarrus, NC, the Loan Limits Comparison Table assesses the maximum 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 evaluate qualifications 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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