As of 2026, the FHA loan limits set for Mineral-Springs county in Union, NC, are $356,362 for single-family homes, $456,275 for residences with two units, $551,500 for homes containing three units, and $685,400 for buildings accommodating four units.
For conventional loans, the maximum allowable amount is $548,250 for a single-family home. For properties with two units, it's $702,000, while three-unit homes have a cap of $848,500, and four-unit residences reach up to $1,054,500.
Utilize our FHA calculator to access today's premier FHA rates and calculate what qualifications, such as downpayment, income level, credit score, reserves, and documentation, are needed.
The Lendersa® calculator enables you to compare FHA rates and terms with those from a wide range of loan programs. Explore and evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles extensive loan program data from thousands of lenders, facilitating prompt comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Mineral-Springs county of Union, NC, provides a detailed perspective on 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, such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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