For the current year, 2025, the FHA loan limits in the county of Rutherfordton, part of Rutherford, NC, are established as follows: a single-family home is capped at $472,030, while properties with two units have a limit of $604,400. For three units, the limit is $730,525, and it extends to $907,900 for four-unit properties.
When it comes to conventional loans, the highest allowable amount for a single-family residence is $726,200. For a two-unit property, the maximum is $929,850, for three units it's $1,123,900, and for those with four units, the ceiling reaches $1,396,800.
Utilize our FHA calculator to explore today's most favorable FHA rates and to compute necessary details for qualification, including downpayment, income requirements, credit considerations, reserves, and needed documentation.
With the Lendersa® calculator, you can compare the rates and terms of FHA loans alongside those of other loan programs. Consider and evaluate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in tandem with FHA.
Lendersa® aggregates extensive data from thousands of different lenders, providing quick comparisons tailored to your specific financial profile and needs.
The Loan Limits Comparison Table for 2025 in Rutherfordton county, situated in Rutherford, NC, offers a side-by-side comparison of the maximum allowable amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria such as income, reserves, and credit, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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