The FHA loan limit in Matthews county, Mecklenburg, NC, for 2026 is $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
Conventional loan maximums are $726,200 for a single-family home, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to discover today’s top FHA rates and establish the necessary downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator empowers you to compare rates and terms of FHA loans with those of other programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates data from thousands of lenders, providing quick comparisons matched to your unique financial situation.
For 2026, the Loan Limits Comparison Table in Matthews county, Mecklenburg, NC allows you to compare limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insights into qualification such as income, reserves, and credit, 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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