For the year 2025, the FHA loan limits in Spencer county, part of Rowan, NC, are established at $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for four-unit dwellings.
The maximum amount for conventional loans on a single-family residence reaches $726,200. For residences with two units it extends to $929,850, for three-unit homes it's $1,123,900, and it peaks at $1,396,800 for four-unit properties.
Use our FHA calculator to view today’s leading FHA rates and to determine the necessary requirements for qualification, such as the downpayment, income, credit status, reserves, and documentation.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Consider options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® sources data from thousands of lenders and quickly evaluates it against your particular financial needs and profile.
The Loan Limits Comparison Table for 2025 in Spencer county of Rowan, NC, offers a detailed examination of maximum loan 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 requirements, use 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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