In 2026, the FHA loan limits in Rocky-Mount, located in Franklin, VA, are $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The conventional loan limits are $548,250 for a single-family residence. For two units, the maximum is $702,000, $848,500 for three units, and $1,054,500 for homes with four units.
Utilize our FHA calculator to explore today’s most competitive FHA rates and determine the necessary downpayment, income, credit score, reserves, and documentation needed to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms alongside those of other loan programs including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans.
Lendersa® gathers extensive data from thousands of lenders to deliver quick comparisons tailored to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rocky-Mount within Franklin, VA, allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. For eligibility requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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