In 2026, the FHA loan limits for Lowell county, located in Gaston, NC, are determined as follows: $472,030 for a single-family home, $604,400 for two units, $730,525 for properties with three units, and $907,900 for four-unit dwellings.
As for conventional loans, the highest amount permitted for a single-family residence is $726,200. For homes with two units, the limit stands at $929,850, increasing to $1,123,900 for residences with three units, and reaching $1,396,800 for four-unit homes.
Our FHA calculator can help you discover the top FHA rates available today and assist in determining what's required for qualification, including downpayment, income, credit score, reserves, and necessary documentation.
The Lendersa® calculator facilitates the comparison of FHA rates and terms versus those from a multitude of other loan programs. Consider and evaluate options among conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans alongside FHA.
Lendersa® collects extensive loan program data from thousands of lenders, using this to provide a comparison that swiftly aligns with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Lowell county, within Gaston, NC, gives a detailed look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria such as income, reserves, and credit, you can use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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