In the year 2026, the FHA loan limit within Morehead-City county, Carteret, in NC is set at $356,362 for single-family residences. The cap increases to $456,275 for two-unit properties, $551,500 for three-unit structures, and $685,400 for four-unit homes.
For conventional loans, the highest allowable amount for a single-family home is $548,250. For two-unit properties, it is set at $702,000, $848,500 for three-units, and $1,054,500 for four-unit properties.
Utilize our FHA calculator to view the most competitive FHA rates today and assess necessary components such as the down payment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator offers a comprehensive comparison of FHA rates and terms alongside other major loan programs. Dive into options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
Data from numerous lenders is compiled by Lendersa® to allow quick comparisons tailored to your unique financial profile and requirements.
Refer to the Loan Limits Comparison Table for 2026 in the county of Morehead-City, Carteret, within NC. This table lets you compare loan limits across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further contrast qualification criteria including income, reserves, and credit ratings, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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