In the year 2026, the FHA loan limit in Wilson county within NC stands at $472,030 for a single-family property. For a two-unit building, it's $604,400, while it's $730,525 for three units, and $907,900 for properties with four units.
Conventional loans have a cap of $726,200 for one-family houses, $929,850 for two-family properties, $1,123,900 for three-family structures, and $1,396,800 for four-family buildings.
Utilize our FHA calculator to check out today’s top FHA rates. You can also calculate the downpayment, required income, credit, reserves, and necessary documentation to qualify for a loan.
The Lendersa® calculator lets you compare the rates and terms of FHA loans against various other lending programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Accessing data from thousands of lenders, Lendersa® quickly matches loan offerings to your unique financial scenario in mere seconds.
This year’s 2026 Loan Limits Comparison Table for Wilson county in NC allows a side-by-side look at the maximum limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To explore qualifying factors such as income and credit, try 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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