In 2026, the FHA loan limits in the county of Guilford, NC, including Oak-Ridge, are set at $356,362 for single-family homes, $456,275 for two units, $551,500 for three units, and $685,400 for four-unit properties.
Conventional loan maximums are $548,250 for single-family residences, $702,000 for properties with two units, $848,500 for three-unit structures, and $1,054,500 for buildings with four units.
Use our FHA calculator to find today's best FHA rates and evaluate the necessary downpayment, income, credit score, reserves, and documentation for qualification.
The Lendersa® calculator is your tool to compare FHA rates and terms against all other loan programs. Compare options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Gathering data from thousands of lenders, Lendersa® swiftly analyzes and matches it to your unique financial profile and requirements.
In the Loan Limits Comparison Table for 2026 in Oak-Ridge county of Guilford, NC, evaluate FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed qualification comparisons involving income, reserves, and credit.
| 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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