For the year 2026, the FHA loan limits within Midland county, part of Cabarrus, NC, are established as $472,030 for a single-family home, $604,400 for two-unit dwellings, $730,525 for properties with three units, and $907,900 for four-unit homes.
Regarding conventional loans, the maximum amount for a single-family residence is $726,200. For homes with two units, the limit stands at $929,850, elevating to $1,123,900 for those with three units, and finally reaching $1,396,800 for four-unit structures.
Utilize our FHA calculator to see the most competitive FHA rates available today and to figure out the required downpayment, income levels, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator provides a powerful means to compare FHA rates and terms with those offered by other loan programs. This includes assessing Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® pulls extensive loan program data from thousands of lenders, aligning it quickly with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Midland county, located in Cabarrus, NC, facilitates the comparison of maximum loan 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 compare qualification criteria, including 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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