For 2026, the FHA loan limits in Wingate county of Union, NC are set at $472,030 for a single-family home. For two-unit residences, the limit is $604,400; for three-unit buildings, it is $730,525; and for those with four units, it is $907,900.
In terms of conventional loans, the maximum allowable for a single-family home is $726,200. For properties with two units, the cap is $929,850. Three-unit homes can borrow up to $1,123,900, and four units up to $1,396,800.
Our FHA calculator provides access to today's best FHA rates, calculating the required down payment and assessing your income, credit score, reserves, and necessary documentation for qualification.
The Lendersa® calculator allows you to fully compare FHA rates and terms with those of other loan programs. This includes evaluations of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA loans.
Lendersa® aggregates data from various lenders and quickly matches it to your financial profile and individual needs.
The Loan Limits Comparison Table for 2026 in Wingate county, Union, NC provides a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money loans. To assess qualification requirements, such as income, reserves, and credit, refer to 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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