For 2025 in the county of New Hanover, Wilmington, NC, the FHA loan limits are: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit homes, and $907,900 for four-unit buildings.
Conventional loans for a single-family home are capped at $726,200. For two-unit homes, limits are $929,850, for three-unit residences, $1,123,900, and for four-unit properties, $1,396,800.
Our FHA calculator gives access to the best rates today and helps you determine the necessary downpayment, income, credit score, reserves, and documents required.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with those of all other programs. Explore conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans as alternatives.
Lendersa® gathers comprehensive loan data from a multitude of lenders, quickly matching it to your unique financial profile.
Use the 2025 Loan Limits Comparison Table for Wilmington in the county of New Hanover, NC: it includes maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze requirements like income, reserves, and credit, consider 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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