Within the county of Westport, which is part of Lincoln, NC, the FHA loan limit for 2026 is set at $472,030 for a single-family residence. For two-unit properties, the limit is $604,400, for those with three units, it's $730,525, and for four-unit homes, the ceiling reaches $907,900.
Conventional loans, on the other hand, have a maximum amount of $726,200 for single-family homes. For buildings containing two units, the limit rises to $929,850; for three units, it goes up to $1,123,900, and for four-unit residences, it extends to $1,396,800.
Utilize our FHA calculator to examine today's most competitive FHA rates and to figure out aspects such as the necessary downpayment, income, credit requirements, reserves, and documentation to qualify for a loan.
The Lendersa® calculator is a powerful tool that helps you compare the rates and conditions of FHA loans against those from all other available loan programs. It allows you to delve into and assess the differences among conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, all alongside FHA.
Lendersa® collates information from a vast network of lending institutions, leveraging this data to make instantaneous comparisons with your personal financial circumstances and needs.
Our Loan Limits Comparison Table for the year 2026 in Westport county of Lincoln, NC enables a side-by-side review of maximum allowable amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs concerning income, reserves, and credit, take advantage of 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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