In the year 2026, the FHA loan limits for Smithfield county within Johnston, NC, are as follows: $502,550 for single-family homes, $643,350 for two-unit properties, $777,650 for homes with three units, and $966,450 for those with four units.
For conventional loans, the maximum loan amount is set at $726,200 for a single-family residence, $929,850 for two-unit buildings, $1,123,900 for three-unit configurations, and $1,396,800 for properties with four units.
Use our FHA calculator to explore today’s top FHA rates and determine required downpayments, income criteria, credit score, reserves, and necessary documents for qualifying.
The Lendersa® calculator facilitates comparisons between FHA rates & terms and those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Accessing data from thousands of lenders, Lendersa® quickly aligns loan options with your specific financial profile.
The Loan Limits Comparison Table for 2026 in Smithfield county of Johnston, NC, allows you to evaluate limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further assess qualification needs such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $502,550 | $643,350 | $777,650 | $966,450 |
| 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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