In 2026, within Oak-Island county of Brunswick, NC, the FHA loan limit is set at $356,362 for a single-family home, increases to $456,275 for 2-units, $551,500 for 3-units, and maxes out at $685,400 for 4-units.
The maximum allowable loan amount for conventional loans on a single-family dwelling is $548,250. For 2-unit homes, it's $702,000, for those with 3 units $848,500, and for 4-unit homes, it reaches $1,054,500.
Use our FHA calculator to explore today's leading FHA rates and work out the required downpayment, income levels, credit rating, reserves, and documentation needed to qualify.
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Utilize the Lendersa® calculator to examine how FHA rates and terms stack up against all other loan programs. Investigate and evaluate FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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The Loan Limits Comparison Table for 2026 in the county of Oak-Island, Brunswick, NC, assists in comparing the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and hard money loans. For a deeper comparison of qualification needs, such as income, reserves, and credit, use 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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