For the year 2026, the FHA loan limits in Lillington county, which is within Harnett, NC, are set as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three-unit residences, and $907,900 for buildings with four units.
Regarding conventional loans, the maximum amount permitted for a single-family residence is $726,200. For dwellings with two units, the limit stands at $929,850; for three-unit houses, it is $1,123,900; and for those with four units, the cap is $1,396,800.
Our FHA calculator helps you find today's most favorable FHA rates and assesses the required downpayment, income levels, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator provides a comprehensive comparison of FHA rates and terms with those from other loan programs. Consider and compare options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® efficiently processes loan program data from thousands of lenders and quickly matches it against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in the county of Lillington, within Harnett, NC, offers a detailed overview of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification factors such as 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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