In 2026, the FHA loan limits for Troy county within Montgomery, NC, are as specified: $472,030 for a single-family home, $604,400 for properties with 2 units, $730,525 for 3-unit homes, and $907,900 for properties containing 4 units.
For conventional loans, the highest amount permitted for a single-family dwelling is $726,200, shifting to $929,850 for those with 2 units, $1,123,900 for ones with 3 units, and $1,396,800 for houses with 4 units.
Explore our FHA calculator to find today's optimal FHA rates and assess what is needed for qualification, including downpayment, income levels, credit evaluation, reserves, and necessary documentation.
The Lendersa® calculator allows for a comprehensive comparison of FHA rates and terms against those of other loan programs. Consider and evaluate options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA alternatives.
Rapidly gathering data from thousands of lenders, Lendersa® efficiently contrasts it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Troy county of Montgomery, NC provides a detailed view of the maximum amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification criteria, such as income, reserves, and credit.
| 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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