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.
Review and compare loan offers from a network of 100 lenders
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.
Lendersa® aggregates loan data from thousands of lenders, matching it against your financial profile for tailored comparisons.
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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
